What you need to know before you have been in an auto accident in Utah, and what to do if you have been in a Utah Auto accident.
Utah is a no fault state- this means that regardless of whose fault the accident is, your insurance pays for your medical care, then if it is the other person's fault, your company will go get reimbursed from the other company.
This means that the amount of medical coverage you have on your auto has a huge effect on you.
The minimum medical coverage that you must have is 3,000, this was set in the 70s back when that actually covered something, it is important to call your agent and raise your pip to the maximum($20,000 to $100,000), which will cost you around $20-40 a year, this is the absolute cheapest medical insurance you can buy!
Auto PIP(Personal Injury Protection) covers your care at %100, what does this mean to you? - There is no copay, no deductible, nothing, it pays for everything, if you already used up your pip in a trip to the emergency room, and one three hour visit there, there is still hope if the accident was not your fault, we if you are working with an attorney we will "go on a lein" which means we wait for payment until your case settles. Many providers will not do this for you, the hospital definitely will not.
If you don't know if there is any pip left, call Stephanie at 801-87CHIRO(801.872.4476) and she will check on it for you.