Utah is one of the few states that sign up for a no-fault insurance plan. What this means is that after an accident between two or more drivers, your own car insurance policy will cover the resulting damages. These include your medical expenses, as well as damage to your vehicle, the cost of repairs and the cost of a rental car, and also the value of a car seat or any other item that was in the car at the time of the accident and that cannot now be salvaged. There are only 14 states that are not at fault when there is a car accident.
Utah is among the states with a no-fault system. The teenage driver stops but informs them that she is not licensed and that she was driving her father's car without his permission, which means that she is not an insured driver either. By contrast, liability insurance covers the occupants of other cars if you are at fault in a car collision. The PIP is an additional clause offered in virtually every basic car insurance policy, but it's not mandatory coverage in many states.
The fact that Utah is a no-fault state when it comes to auto insurance means that all drivers in Utah must take out personal injury protection (PIP) insurance to cover their own medical bills after an accident, regardless of who was at fault. In addition, many drivers have coverage for underinsured or uninsured motorists, meaning that their own auto insurance policy will cover the loss suffered by an uninsured driver. Under a no-fault system, if you are involved in a car accident, your own auto insurance coverage, known as “personal injury protection coverage” (PIP) in Utah, will pay for any medical treatment and other financial losses suffered by the people covered by the policy, up to the limits set out in the policy, regardless of who is at fault for the incident. People should understand their rights if they are involved in a car accident and should file a personal injury claim with their own auto insurance company.
Now that you better understand how no-fault car insurance works in Utah, let's discuss the state's requirements for different types of car insurance coverage. Your auto insurance coverage, or personal injury protection, pays for your medical treatment and medical bills for bodily injuries, including serious injuries, if you're involved in an accident. If you're at fault for a car accident, your liability insurance pays for repairs to the other driver's car and will likely cover the doctor's bills if you're injured. Some states require drivers to have PIP or MedPay, while collision insurance is often mandatory if you rent or finance your car.
Brett Chambers Personal Injury Act car insurance minimum requirements, Utah no-fault car insurance, Utah pip law 0.