Utah PIP and No-Fault Insurance, Explained
No-fault confuses almost everyone after a crash. Here’s what it actually means for your medical bills and your right to sue in Utah.
General information, not legal advice.
What “no-fault” means
In Utah, your own auto policy pays your first medical bills after a crash regardless of who caused it. That coverage is called Personal Injury Protection (PIP), and Utah requires a minimum of $3,000 of it on every policy.
What PIP covers
PIP typically covers reasonable medical expenses, a portion of lost wages, and certain other costs, up to your policy’s limit — no matter who was at fault. It’s designed to get you treated quickly without waiting to prove fault.
When you can “step outside” no-fault
Once your medical expenses exceed $3,000 — or you suffer a serious or permanent injury — you can generally pursue a claim against the at-fault driver for your full damages, including pain and suffering. That’s the moment a claim often becomes much larger than PIP alone.
Key takeaways
- Your own PIP pays first medical bills regardless of fault (Utah minimum: $3,000).
- Past $3,000 — or with a serious/permanent injury — you can pursue the at-fault driver.
- Use PIP early so you don’t delay treatment.
- A lawyer coordinates PIP, health insurance, and the liability claim so nothing is left on the table.
Hurt in a Utah crash? A free case review takes about a minute — no fee unless you win.
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