What’s No-Fault All About?

In Utah, no-fault car insurance means that no matter who’s at fault in an accident, everyone injured uses their personal injury protection (PIP). But these benefits have limits, and that’s where we step in. Don’t settle for less; let’s break it down together.

Your PIP Limitations – Know Your Rights

PIP benefits have limits. To ensure you’re not shortchanged after an accident, you need a Personal Injury Lawyer—this is where we come in to help you.

No-Fault Car Insurance in Utah

Utah is one of a few states with a “no-fault” car insurance system. After a car accident, your own PIP coverage pays for medical treatment and other out-of-pocket losses, regardless of who caused the accident. But with a no-fault claim, you can’t get compensation for “pain and suffering” or other non-monetary damages. To pursue those, your injuries must meet certain state law thresholds.

Utah’s No-Fault Requirements

Utah requires PIP coverage on all passenger vehicles if:

The vehicle’s owner/operator is a Utah resident; or
• The vehicle’s owner/operator is a non-resident who has operated a vehicle in Utah for 90 days within the last year.

Who Is Covered Under No-Fault/PIP in Utah?

Utah PIP coverage typically covers:

The vehicle owner/policyholder;
• Any passenger in the policyholder’s vehicle (unless they have their own car insurance);
• Anyone borrowing the policyholder’s vehicle with permission; and
• Any pedestrian injured by the policyholder’s vehicle.

What’s Covered Under No-Fault/PIP Insurance in Utah?

PIP benefits usually include:

Payment of medical bills from car accident injuries;
• Compensation for accident-related lost income (up to $250 per week);
• A “special damage allowance” for tasks the injured person can’t do because of their injuries;
• Funeral, burial, or cremation benefits if the accident results in death; and
• Compensation to the person’s heirs if the accident results in death.

Final Thoughts

Knowing Utah’s car insurance rules is helpful, but if you’ve been in a car accident, you might need more than basic information. Especially if your injuries are serious and you might pursue a claim against the driver who caused your crash. Discuss your situation with an experienced legal professional.

Personal injury lawyers at Salt Lake Injury Law specializes in decoding the legal maze and ensuring you get what you deserve. Reach out for a free consultation at 385-444-7545.

Understanding No-Fault Car Accident Law