Understanding Utah PIP Insurance After a Car Accident
If you’ve been in a car accident and the vehicle was covered by a Utah auto insurance policy, your coverage includes Personal Injury Protection (PIP) — a built-in benefit that helps pay for medical care and related expenses right away.
Many people don’t realize these benefits are already included in the policy and can be used immediately after an accident.
For a complete step-by-step guide, visit our
What to do after a car accident in West Valley City.
What Is PIP Insurance?
Personal Injury Protection (PIP) is a required coverage under Utah auto insurance policies.
It helps cover certain expenses after a car accident, regardless of who is at fault.
This means you may begin care and receive support without paying anything out-of-pocket.
PIP Is a Prepaid Benefit in a Utah Auto Policy
Personal Injury Protection (PIP) is not something you have to earn or wait for—it is a prepaid benefit already included in a Utah auto insurance policy.
This coverage has already been paid for as part of the monthly premium — by you or the vehicle owner — and is designed to be used when an accident happens.
Using your PIP benefits allows you to access care right away without waiting for a settlement.
Will Using PIP Increase My Insurance Premium?
In Utah, PIP is designed to provide immediate access to care after an accident.
Using your PIP benefits does not raise your auto insurance premium — it's a built-in, no-fault benefit of your policy.
This allows you to use the coverage you have already paid for when you need it.
Utah PIP Law (Minimum Coverage)
Utah law requires a minimum of $3,000 in medical coverage per person under an auto insurance policy, which applies to each individual involved in an accident.
You can view the law here: Utah Code § 31A-22-307
Some policyholders choose to increase their PIP coverage beyond the state minimum — often for a small addition to their monthly premium. This provides greater protection and access to more care regardless of fault. For expenses beyond PIP limits, many people work with a personal injury attorney to help cover the difference and seek compensation for pain and suffering.
What Does PIP Cover?
PIP benefits can include more than just medical care.
1. Medical Expenses
PIP helps cover medical treatment after an accident, which may include:
Chiropractic care
Massage therapy
Rehabilitation and therapy
Medical evaluations
Hospitals & urgent care
These benefits allow you to begin treatment right away.
This includes chiropractic care after a car accident and massage therapy after an accident. These treatments are often guided by medical evaluations after a car accident.
2. Wage Loss Benefits
If you miss work due to your injuries, PIP may also help cover lost wages.
This may include:
Up to 85% of your weekly income
Maximum of $250 per week
Begins after 3 consecutive days of missed work
Documentation typically required:
Pay stubs
Employer verification
Doctor’s note supporting the need
3. Household Services
If your injuries make it difficult to manage daily tasks, PIP may also help cover assistance at home.
This may include:
$20 per day for household help
Examples:
Cleaning
Child care assistance
Help with daily tasks
Mowing the lawn
Documentation typically required:
Log of services provided by a family member or friend
Doctor’s note supporting the need
4. Additional Benefits
This may include
Mileage reimbursement for treatment
Child safety seat (car seat) replacement
Using PIP Benefits for Your Care
PIP allows you to begin care quickly without worrying about upfront costs.
At our clinic, we help patients:
Understand their available benefits
Use their PIP coverage appropriately
Coordinate care based on their situation
Our goal is to make the process simple so you can focus on recovery.
What Happens When PIP Is Exhausted?
Once PIP benefits are used, care may continue depending on your situation.
This may include:
Coordination with a personal injury law firm
Continued care at no out-of-pocket cost as part of your case.
Other available options based on your needs
We help guide patients through the next steps so there is no interruption in care.
Local Care You Can Trust
Axis Chiropractic & Massage Clinic has helped patients in West Valley City, Taylorsville, Kearns, and surrounding Salt Lake County communities navigate recovery after auto accidents since 2017.
We focus on:
Clear communication
Helping patients understand their benefits
Supporting recovery every step of the way
Early evaluation and treatment can help reduce recovery time and improve long-term outcomes.
Learn more in our After a Car Accident guide.
What Patients Say About Our Care After a Car Accident
Patients across West Valley City and surrounding Salt Lake County communities have trusted our team at Axis Chiropractic & Massage Clinic to help guide their recovery after a car accident. Below are examples of real experiences from individuals who have received care at our clinic.
Frequently Asked Questions About PIP Insurance in Utah
Below are answers to common questions related to this topic after a car accident. Understanding these basics can help you make informed decisions about your care and recovery.
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PIP is a required component of Utah auto insurance that helps pay for medical care and related expenses after a car accident, regardless of fault.
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Utah requires a minimum of $3,000 in medical coverage, though some policies include more.
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Yes. PIP applies regardless of fault.
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It may cover emergency visits, chiropractic care, massage therapy, rehabilitation, and medical evaluations.
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In addition to medical coverage, PIP may provide wage loss benefits of up to 85% of lost income, with a maximum of $250 per week, beginning after 3 consecutive days of missed work.
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In addition to medical coverage, PIP may provide $20 per day for household services, including help from a friend or family member when you are unable to perform daily tasks due to your injuries.
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PIP is a required, prepaid benefit included in Utah auto insurance policies. Using your PIP benefits for medical care does not increase your premium, since this coverage is designed to be used after an accident.
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No. PIP coverage applies per person, not per vehicle. Each individual involved in the accident has their own PIP benefits available under an applicable auto policy.
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In addition to medical coverage, there may be other benefits available to help support you during recovery, depending on your insurance and situation.
These may include wage loss benefits, household services, mileage reimbursement for travel, and replacement of a child car seats.
Some of these benefits may be provided through PIP, while others may be handled as part of your overall claim.
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Care may continue depending on your situation. We can connect you with trusted personal injury law firms, or you may use your own, to help ensure treatment can continue without out-of-pocket costs as part of your case.
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Yes. PIP applies per accident, not per lifetime. As long as the Utah auto policy is active, your PIP benefits are available every time.
We Help You Use Your Benefits the Right Way
If you’ve been in a car accident and aren’t sure how your PIP benefits work, our team is here to help guide you.