PIP – Personal Injury Protection
The average person lives their life without ever going to court for anything more serious than a traffic ticket. Our lives are filled with ordinary day to day events, such as work, errands like grocery shopping, school, ball games, family cookouts and dinners, and the like. Most of us will never know what it’s like to be in a serious car accident, and we’ll never see a friend or family member go through the aftermath of a catastrophic personal injury.
Most car accidents are minor, and the injuries consist of some bumps, bruises, and muscle soreness. For these minor accidents, Utah law mandates Personal Injury Protection, or PIP. What’s PIP? It’s $3,000 in insurance coverage for the average driver, and it provides a predictable means of resolving most injuries in a car accident.
No one wants a lawsuit, and PIP is a quick, easy way of covering injury expenses for those involved in an accident. Even if you’re at fault in a wreck, you can still get coverage for your injuries from the PIP on your insurance policy. The reason PIP is the law is to avoid lawsuits by making it easy to pay for medical expenses from minor injuries. In fact, before you can sue for an accident injury in Utah, you have to first exhaust the $3,000 of PIP on your insurance policy.
This covers both the at-fault party and the victim in a car accident, because each party can pay for their minor injuries via their PIP, coverage thereby keeping the courts free of minor lawsuits with under $3,000 in medical expenses. This is good news for you if you’re at fault in an auto accident, because the other party can simply go to their insurer to get their minor injuries covered on their insurance policy. It’s also good news for you, because as the at fault party, you’ve got no grounds to recover for your injuries from the other party. Thanks to PIP, you can to your insurer and get those minor medical issues taken care of, as long as they’re $3,000 or less.
At the very least, you’ll save $3,000 in overall medical expenses, even if you happen to be at fault for the accident.
You won’t have to wait six months to three years, either. That’s how long it can take a personal injury lawsuit to settle or be resolved in a trial. Regardless of whether or not you’re the person to blame, or the victim, PIP covers you no matter what for those bumps and bruises and trips to the chiropractor’s office. It ensures that you won’t be choosing between buying food for those family cookouts and paying for your minor medical expenses after an accident.
The Utah Educational Center for Personal Injury hopes you never have even a minor injury, but if you do, your PIP will be there for you.