Using PIP
There are a variety of claims you can make after a car accident. A claim will be based on what happens in a specific accident. For example, a claim will have multiple categories of claims if your car was damaged, or if you, your passengers, or anyone else is injured or hurt, and if you lose wages because you are unable to work as you recover from an accident.
What is Personal Injury Protection?
Personal Injury Protection (PIP) is medical protection that covers anyone in your car at the time of an accident. This protection is administered by your auto insurance carrier. It can range from a state minimum to a maximum of lifetime care. This protection is offered in a number of states. There are other forms of medical coverage called Med Pay as well. PIP pays the bills as they come in for medically reasonable and necessary treatment related to an auto accident. Using PIP may not raise your insurance rates depending on your state and policy.
Personal Injury Protection
in Utah
Personal Injury Protection (PIP) is medical coverage that is required by law in Utah. Every person in the insured vehicle has a minimum of $3,000 for medical treatment that is reasonable and necessary after an accident. This amount repeats with each accident and is per person per accident. You can pay more for more coverage depending on what your insurance carrier allows. For only a few dollars more per month, it can be raised to $5,000 and the max in Utah is $100,000. Only 2 carriers offer the $100,000 PIP. Using PIP does not raise your rates as stated in the state legislation (LINK TO LEGISLATION)
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Who is Covered Under PIP?
Everyone that is in the car at the time of the accident is covered by PIP and each person has their own PIP amount.
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How Does PIP Work?
PIP is a medical allotment that is used as bills are received after an auto accident. Your medical provider sends in the bills using your claim number and your insurance carrier pays the bill unless your PIP is exhausted. PIP does not go against your health insurance deductible for the year. You also do NOT pay any deductible for using it. It is there whether you utilize it or not. PIP goes through your insurance.
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Understanding Key Terms Related to PIP
Medically necessary
any medical treatment, item, or diagnostics done with regards to the auto accident.
Claim number
this is the number referencing your claim for the auto accident.
Not at fault
This is the driver/ policy that was hit by the at fault vehicle.
Exhausted
all of the PIP coverage for that accident has been used.
At fault
This is the driver/ policy that caused the accident.
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What happens if I use more than what I have in PIP?
After your PIP funds have been exhausted, you move on to using your regular health insurance. This is common in more severe accidents as PIP coverage typically comes in amounts of $10,000, $15,000, and $35,000.
What Affects My Auto Insurance Coverage Rates? ( Personal Injury Influence the Cost)
Personal injury should not influence the cost of your auto insurance. There are a number of factors that do impact your car insurance rate. NerdWallet outlines 25 of these factors here. The main factors that affect car insurance rates are location; your job and finances; where and how you drive; the type of vehicle; and your car insurance coverage choices.
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Looking for More Support Through the Process?
We know that sorting out what to do after an accident can be stressful. That is why we are here. To help you make the best choices because you have the knowledge and support you need to make the best choice for you and your family.
Let us know if you are looking for a specific resource and we will help you find the information you need. If we can't help you we will connect you with an Insurance Myth Approved provider for FREE.
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