How-to Use Your Personal Injury Protection Insurance after an Auto Accident Utah in 2022?

What is Personal Injury Protection Coverage?

When speaking about car insurance in Utah, there are several aspects that are required for al drivers; one of those is Personal Injury Protection insurance or PIP. You might ask what does PIP actually cover and why do I need it?

Personal Injury Protection covers several aspects including healthcare costs, as well as injury related expenses, such as property damage and lost income wages. An important note is that PIP pays for all these aspects regardless of who is at fault in the accident. This is the reason PIP is also known as “no fault” insurance. Also noteworthy is that “no fault” insurance covers anyone who is in your vehicle in addition to any bicyclists or pedestrians who suffer injuries as a result of the accident. If you only own a trailer or motorcycle and no automobile or truck, Personal Injury Protection is NOT required.

 

What is the cost of PIP Insurance in Utah?

The cost of PIP insurance varies based on several factors; these include the city you reside in, your driving history (whether you’ve been in prior accidents, had a DUI, etc), and the amount of coverage you choose to have. When purchasing PIP, you are almost always directed to purchase PIP with income loss protection.

To give you an idea of examples of costs of PIP insurance in Utah:

For $3,000 in PIP coverage –> Premium will be roughly $15 per month.

For $10,000 in PIP coverage –> Premium will be $30 per month.

For $25,000 in PIP coverage –> Premium will be $42 per month.

When should I file a claim with my PIP insurance?

If you suffer an injury from a motor vehicle accident, you will first contact your insurance company as well as the other driver’s if you are not at fault.  As part of the claims process, the insurer will give you a PIP application where you provide all the details of the auto accident and details needed to complete the claim. These include medical treatments and providers you have seen as a result of the accident, pharmaceutical providers, medications and costs, employer details, and time you have been unable to work secondary to your injuries. This information will be passed on to your insurance adjuster and taken into consideration when a settlement is agreed upon. If you hire us as your personal injury lawyer, we will take care of the entire process of negotiating settlements with the insurance adjusters.

Can you explain more on how PIP insurance works in Utah?

Now that you know what PIP insurance is, lets dig more into what’s the minimum amount required by the state of UT. All drivers must have a minimum of $3,000 of “no fault” coverage. If you want additional protection as seen above, you will have a slightly higher premium per month with consequently higher coverage.

So let’s discuss what a $3,000 “no fault coverage” policy covers.

• $3,000 for medical costs per individual
  • such as ER/ UC visits, prescriptions, ambulance costs, nursing, etc
• $3,000 for death benefits to heirs, if someone dies as a result of the accident
• $1,500 in burial costs per deceased individual
• $85% of lost income due to injuries resulting from the auto accident or minimum of $250/ wk
  • applies for up to 52 wks
• Up to $20 per day as special allowance for services necessary if you are unable to perform these as a result of your injuries
  • services include child care, cleaning, cooking, and other typical household activities

To reiterate what I mentioned before, Personal Injury Protection extends to all individuals in the vehicle and pays expenses regardless of who is at fault.

If you would like more detailed information on Utah stature regarding PIP insurance, please click on this link PIP Benefits Statute Utah.

 

If you were involved in an accident and have questions regarding your case and PIP insurance, how do you reach us?

If you have suffered from an auto accident, don’t hesitate to call us or text us as we are here to help you obtain the best medical treatment, the most current and relevant information for your case, and the compensation you deserve. We will discuss in detail your insurance coverage include your Personal Injury Protection. 

Call or text us 24/7 a at (801) 738-9999 or contact us on our page Symco Injury Law Contact.