How to Get Personal Injury Protection Benefits in Utah?

Utah law requires everyone to carry at least $3,000 in Personal Injury Protection (PIP) Benefits with their Utah car insurance. But what does this mean for you if you are in a car accident? And how do you gain access to this benefit? In this article, we discuss how to get Personal Injury Protection Benefits?

Unrelated to Health Insurance 

PIP benefits are the amount that your car insurance will pay to cover medical costs incurred as a result of a car accident. This benefit is completely independent of health insurance. In fact, PIP Benefits will pay medical bills first. After the maximum dollar amount of your PIP Benefits has gone towards paying medical bills (also known as PIP being exhausted) the balance due is then sent to your health insurance, if applicable. So how do you get Personal Injury Protection Benefits in Utah?

 

Personal Injury Protection Covers More than Medical Bills

Personal Injury Protection Benefits extend beyond paying for medical bills. If you had to miss work because of the accident, PIP can reimburse you for your lost wages. In order for your lost wages to be reimbursed you will need to submit an employer authorization stating the amount of work that was missed. A note from a medical doctor stating that you cannot work is also needed. PIP can pay up to $250 per week in lost wages under Utah law.

Often the injuries sustained in a car accident can make it difficult to do the little things around the house that need to be done every day. PIP coverage has the added benefit of paying for essential household service. If this help is needed, Personal Injury Protection Benefits can pay up to $20 per day for help around the house.

 

It Doesn’t Matter Who Caused The Accident

Personal Injury Protection Benefits are available for any car accident with a Utah insurance policy. It does not matter if you caused the accident or another driver caused the accident. However, if the accident is not your fault, the amount of money paid out in PIP Benefits will be reimburse by the car insurance of the at-fault party. This means, your car insurance costs should not increase if you use PIP Benefits.

 

You Can See Any Doctor

Since all Utah drivers that have car insurance will have PIP Benefits, if you are in a car accident it is definitely worth being seen by a doctor. Unlike health insurance, a medical provider does not need to be “in network”. You can see any doctor you’d like. Because this benefit is available, no matter how small or large the car accident, you can be evaluated by a doctor and know exactly what the repercussions may be from the accident. Injuries can be assessed and dealt with instead of ignored or tolerated.

 

As you can see, PIP Benefits can be very useful if you are in a car accident. However, it is important to note that you will need to do some work to get these benefits.

 

Here’s how you can get Personal Injury Protection Benefits in Utah.

The first thing you need to do is file a claim with your car insurance. Once they are aware that there was an accident you will receive a claim number and insurance adjuster. Your insurance adjuster will provide you with a PIP application. This application needs to be filled out to the best of your ability in order for you to receive benefits. After you have filled out the application your insurance agent should reach out to the medical providers to pay the bills. You can also hire a lawyer like us to help you with the Personal Injury Protection Benefits.

 

Although receiving PIP Benefits is very common, sometimes it can be difficult working with insurance agents. If you find this is the case, feel free to reach out to a qualified personal injury lawyer that can help you navigate through the red tape of receiving these benefits. Call us today at 801-738-9999! See what our clients say about our results: https://myutahinjurylawyer.com/law-firm/testimonials/

 

Here is some more information: https://www.valuepenguin.com/car-insurance/how-pip-works-utah