Personal injury protection (PIP) coverage, commonly referred to as “no-fault” insurance, on your auto insurance policy is mandatory in Utah.

Although you are probably aware that, when you purchased your insurance policy, you needed to include this coverage, many drivers are not aware of the purpose of PIP and how it can help them if they’ve been injured in an auto accident. Read on to learn more about this required auto protection.

Explaining No-Fault Insurance

No-fault insurance was designed as a form of protection for drivers when they are involved in a motor vehicle accident.

“No-fault” references the fact that it doesn’t matter whose fault the accident was—your insurance company will provide financial protection for you up to the limits you chose when you purchased your policy. The required minimum coverage is $3,000. However, that is rarely enough to cover the damages in a serious car accident.

Personal Injury Protection and Your Claim

Your no-fault insurance will cover a specific set of damages laid out in your insurance policy. The amount will depend on how much you purchased and the insurance company you carry a policy with.

This settlement will cover lost income while you were unable to work and the loss of household services, which might include your ability to wash the dishes, mow the lawn, do laundry, and keep up with other household chores.

Additionally, and most importantly, PIP will cover medical bills you incur as a result of your injuries. Once you’ve exhausted your coverage, your health insurance should cover the remaining medical expenses. Anything else that needs to be covered—damage to your future earning potential or pain and suffering,  for example—will need to be sought through a personal injury claim.

If your injuries and damages exceed a “serious” threshold, you will have the opportunity to file a personal injury lawsuit against the negligent party for the damages your insurer won’t cover. In no-fault states like Utah, doing this is tricky, so it’s often helpful to work with a qualified attorney.

Connect with a Salt Lake City Car Accident Lawyer

For more information about PIP coverage on your auto insurance policy or to discuss a particular claim you’ve filed, reach out to a dedicated Salt Lake City car accident lawyer at Craig Swapp & Associates today.

Give our office a call at 1-800-404-9000 to schedule your free consultation. You can also fill out the contact form below, and a representative will be in touch to set up your claim assessment as soon as possible.