How PIP Coverage Works in Utah: What Every Auto‑Accident Victim Should Know
If you’ve been in a car accident in Utah, you’ve probably heard the term PIP coverage or no‑fault insurance, but what does it actually mean for your medical care, chiropractic treatments, and recovery costs?
At Axcess Accident Center, we specialize in helping Utah accident victims recover physically and financially. Here’s a clear breakdown of how PIP insurance works in Utah and how it affects your chiropractic and rehab treatment.
What Is PIP (Personal Injury Protection)?
PIP (Personal Injury Protection) is a required part of Utah auto policies. It pays certain benefits regardless of who caused the crash, which is why Utah is considered a no‑fault state. PIP is designed to help you start treatment quickly without waiting for a liability decision.
What Does Utah PIP Coverage Include?
Under Utah law, auto insurance policies include minimum PIP benefits. Exact benefits vary by policy and insurer, but the state-required minimums generally include:
| Coverage Type | What It Typically Covers | Utah Minimum |
|---|---|---|
| Medical Expenses | Accident-related care such as chiropractic, rehabilitation, acupuncture, imaging, urgent care, and hospital services. | $3,000 per person |
| Lost Wages | Reimburses a portion of income if injuries keep you from working, subject to policy terms and limits. | Commonly up to a weekly cap for a limited period. ($250 per week) |
| Household Services | Help for essential tasks you can’t perform because of your injuries (e.g., cleaning, meal prep, yard work). | Often a daily allowance up to a set duration. ($20 per day usually) |
| Funeral / Death Benefits | Burial/cremation expenses and a benefit payable to eligible heirs in the event of a fatal crash. | Specific amounts vary by policy; minimums may apply. |
Note: Some drivers carry higher PIP limits (e.g., $10,000+). Check your policy or ask your insurer for your exact benefits.
When Does PIP Apply—and When Can You Go Beyond It?
PIP generally covers the first layer of medical and related costs after a crash. If your injuries are serious, such as when medical bills exceed minimum PIP limits or when you suffer permanent impairment or disfigurementyou may be able to seek additional compensation from the at‑fault driver’s insurer under Utah law.
That’s when expert documentation and care coordination with your chiropractic and rehab team become essential.
How Axcess Accident Center Helps With PIP
- Direct billing to auto insurance and help maximizing eligible benefits.
- Clear, objective documentation that links injuries to the crash and supports claims.
- Coordination with attorneys, imaging partners, and adjusters so your care stays consistent and covered.
- Support when PIP runs out – we help you explore next‑step options so continuity of care isn’t disrupted.
Common PIP Mistakes to Avoid
- Delaying your first evaluation or leaving long gaps in care.
- Not connecting treatment notes directly to the accident.
- Assuming the minimum will cover everything for soft‑tissue or whiplash injuries.
- Skipping professional guidance on insurance benefits and next steps.
Why PIP Matters for Chiropractic & Rehab
Auto‑accident injuries often involve soft‑tissue trauma, whiplash, headaches, or back pain that can worsen without prompt care. PIP is there so you can begin treatment immediately. At Axcess Accident Center, we combine chiropractic, massage, rehab, and acupuncture to support full recovery with locations in Spanish Fork, Provo, American Fork, and West Valley.
Get Help After an Auto Accident
Have questions about PIP coverage in Utah or your next steps after a crash? Call us at (801) 701-8222 or request a free consultation. We’ll help you focus on healing while we handle the details.
FAQs: Utah PIP Coverage
What is PIP insurance in Utah?
Personal Injury Protection (PIP) is no‑fault auto insurance that pays certain medical and related benefits after a crash, regardless of who caused it.
How much medical coverage does Utah PIP provide?
Utah requires minimum PIP benefits that include medical coverage; many policies provide at least $3,000 per person for accident‑related care. Some drivers purchase higher limits.
Does PIP cover lost wages?
Yes. PIP may reimburse a portion of lost income if injuries keep you from working, subject to caps and time limits outlined in your policy.
When can I make a claim beyond PIP?
If your accident‑related medical expenses exceed the minimum PIP benefits or you suffer serious injuries, you may pursue a claim against the at‑fault driver’s insurance for additional compensation.
Final Thoughts
Understanding how PIP coverage works in Utah can help you access care fast and protect your finances. Don’t navigate the process alone our auto‑injury team at Axcess Accident Center is here to guide you through every step. Call today 801-701-8222.
