What Does PIP Insurance Cover in Utah?
Personal injury protection (PIP) insurance is a required portion of coverage on auto insurance policies in Utah. State law mandates that drivers purchase insurance plans that have a minimum of $3,000 in PIP coverage. You are able to choose higher PIP coverage—some insurers offer policies that can go as high as $15,000—but only $3,000 in coverage is mandatory.
This provision is designed to cover your lost wages, medical bills, and other household expenses up to the limit you’ve purchased after you’re injured in a car accident. So if your auto insurance policy carries the minimum coverage of $3,000, that is the maximum amount you will be able to collect from your PIP benefits to cover the above costs in the event of an accident.
Your Insurance Company’s Responsibilities
The amount your insurance company is required to cover is based on the amount of PIP coverage you have in your auto insurance policy. Your insurer is obligated to cover the first $3,000 of your medical expenses, without exception. If your policy carries, say, $7,000 in PIP coverage, the insurer will be required to cover your costs up to $7,000.
Once your policy limits are met, your health insurance may begin to cover your medical costs. This is also the time in which you may be able to seek damages through a personal injury claim against the person or people responsible for your injuries, depending on the severity of your injuries.
Fault in the Accident and Your PIP Coverage
PIP coverage is also known as “no-fault” insurance because the amount you are able to collect from your insurer does not depend on whose fault the accident was. Your insurer should cover you regardless of liability. Fault becomes an issue when your damages exceed your policy limits and you need to seek compensation through a personal injury claim.
Seek Help from a Utah Car Accident Lawyer
If you have further questions about your PIP coverage or need help determining your eligibility to file a personal injury claim, contact an experienced Utah car accident lawyer at Craig Swapp & Associates by filling out the contact form below or giving us a call at 1-800-404-9000.