Utah PIP Insurance: Complete Guide to Personal Injury Protection
Utah is a "no-fault" state, meaning your own insurance (PIP) pays your medical bills regardless of who caused the accident. Here's everything you need to know.
What is Utah PIP Insurance?
Personal Injury Protection (PIP) is mandatory insurance coverage in Utah that pays for your medical expenses and lost wages after a car accident - regardless of who was at fault.
Utah Law (Utah Code 31A-22-307): All drivers must carry at least $3,000 in PIP coverage. Most policies range from $3,000 to $10,000.
What Utah PIP Covers
✓ Medical Expenses
Hospital bills, doctor visits, surgery, prescriptions, physical therapy, chiropractic care up to your policy limit ($3K-$10K).
✓ Lost Wages
85% of your gross income if you miss work due to injuries. Paid weekly up to one year.
✓ Funeral Expenses
Up to $1,500 for funeral and burial costs in fatal accidents.
✓ Household Services
Replacement services if you're unable to perform household tasks (childcare, cleaning, etc.)
❌ What PIP Does NOT Cover
- • Pain and suffering damages
- • Property damage to your vehicle
- • Full lost wages (only 85%, not 100%)
- • Medical bills beyond your policy limit
- • Future medical expenses after PIP exhausted
This is why you may need to sue the at-fault driver for additional compensation.
When Can You Sue in Utah? (Stepping Outside No-Fault)
Utah's "serious injury threshold" allows you to sue the at-fault driver if your injuries meet certain criteria:
You Can Sue If You Have:
- 1. Death or Permanent Disability
Complete loss of bodily function or permanent condition
- 2. Permanent Disfigurement
Scarring, burns, or permanent visible injuries
- 3. Permanent Loss of Bodily Function
Can no longer use a limb, organ, or body part normally
- 4. Medical Bills Exceeding $3,000
If your medical expenses surpass minimum PIP coverage
- 5. Permanent Impairment
Chronic pain, limited mobility, or ongoing disability
Important Utah PIP Rules
⏰ 30-Day Filing Deadline
You must file your PIP claim within 30 days of the accident. Miss this deadline and your insurer can deny the claim.
🏥 PIP Pays First
Even if you have health insurance, your auto PIP must be exhausted before health insurance kicks in.
👥 Covers All Passengers
Your PIP covers you, family members in your household, and passengers in your vehicle.
💡 Should You Increase Your PIP Coverage?
Many Utahns only carry the minimum $3,000 PIP. Consider upgrading to $10,000 if:
- • You have a high-deductible health insurance plan
- • You're the primary earner and need lost wage coverage
- • You have young children who ride in your car frequently
- • You want better protection without relying on the at-fault driver's insurance
Cost: Increasing from $3K to $10K PIP typically adds $30-50/year to your premium.
Questions About Your PIP Coverage?
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Learn how PIP works with health insurance and medical liens.
Medical Bills Guide →⚖️ PIP Not Enough?
If medical bills exceed your PIP limit or you have permanent injuries, talk to a lawyer.
When to Hire a Lawyer →