If you’re a driver in Utah, you may be familiar with personal injury protection (PIP) coverage, a type of
insurance that can provide financial assistance for medical bills if you’re injured in a car
accident. PIP is required in Utah, but it’s important to understand what it
covers and how it works.
What is Personal Injury
Protection (PIP)?
Personal injury protection (PIP) is a type of insurance coverage that is designed to provide medical and related
expenses for injuries that you, your passengers, or pedestrians sustain in an
auto accident, regardless of who is at fault. PIP may also be referred to as
“no-fault” insurance, because it covers your expenses regardless of
whether you were responsible for the accident.
Utah law requires a minimum of $3,000 in personal injury protection on your auto insurance policy. While personal injury protection is not require on motorcycle policies, it is still an option if you speak with your insurance agent. You can choose to purchase more coverage if you’d like.
What Does PIP Cover?
Personal injury protection (PIP) covers a wide range of medical and related expenses that are associated with an
auto accident. Some of the expenses that PIP can cover include:
- Medical bills
- Hospital bills
- Rehabilitation costs
- Lost wages
- Funeral expenses
- Death benefits
It’s important to note that PIP coverage only applies to injuries sustained in an auto accident. If you’re
injured in a different type of accident, such as a slip-and-fall or a workplace
injury, PIP will not apply.
How Does PIP Work?
If you’re injured in an auto accident, you’ll need to file a claim with your insurance company in order to receive PIP
benefits. The claims process can vary depending on your insurance company, but
generally you’ll need to provide documentation of your injuries and related expenses.
Once your claim is approved, your insurance company will pay for your medical and related expenses up to the
limit of your PIP coverage. You can ask most providers to bill your auto insurance directly. Thought, there may be some providers that will not. If your expenses exceed your PIP coverage, you may
be able to pursue additional compensation from the at-fault driver or their insurance company.
Personal injury protection (PIP) coverage is an important type of insurance that can provide financial assistance
if you’re injured in an auto accident. In Utah, PIP coverage is required by
law, and all auto insurance policies must include a minimum of $3,000 in PIP
coverage. To learn more about personal injury protection and what options are available for the coverage, contact
your insurance agent or visit the Utah Department of Insurance website. If you
are having issues with your PIP claim, give us a call!