At Handy & Handy in Salt Lake City, our attorneys have more than 35 years of experience helping victims of car accidents. We believe it is important to educate our clients about their rights after a car accident.
Personal Injury Protection Coverage: What Is It?
Every auto insurance policy includes Personal Injury Protection (PIP) coverage. PIP is a "no fault" coverage, meaning PIP will pay benefits regardless of who caused the accident. At some point, your insurance will get reimbursed for amounts paid from the at-fault insurance company.
With PIP coverage, you can be sure that you can get some immediate relief from expenses and damages you begin to incur immediately following an accident. PIP provides the following coverage and benefits:
- Payment of at least the first $3,000 in medical expenses (you can often purchase higher limits)
- $250 per week or 85 percent of your lost wages (whichever is less)
- $20 per day for household services (stuff that you need help with around the house, i.e., mowing the lawn, doing the dishes, etc.)
- Funeral benefits of $1,500
- Death benefits of $3,000
Obviously, these are minimal benefits. These benefits and coverages are only meant to provide some initial relief following an accident. The at-fault party is on the hook to pay all damages above and beyond what is paid by PIP (including reimbursing your PIP carrier).
Keep in mind that your PIP coverage extends to all passengers in your car. For example, if you were involved in an accident and you have three passengers, PIP would pay at least $3,000 in medical expenses for each of you (for a total of $12,000). Also, the lost wages and household services are payable for one year following the accident.
Helping You File Or Appeal A Claim
We have the skills, experience and resources available to help you through the entire process of filing a claim, recovering benefits or appealing a denied claim. Insurance coverage dispute issues can make it difficult for you to recover the benefits you deserve. We will be your advocates so you can get the compensation you deserve to move forward with your life.
Schedule a free, no-risk consultation with our lawyers to discuss your insurance coverage and your options after a car accident. Call 385-743-0720, or contact us online.