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After an auto accident, how does blame affect coverage?

Auto accidents can be stressful, especially if you are concerned that you are even a little at fault. Maybe you took your eyes of the road to look at a sign for just a second, or you hit the breaks during inclement weather and they didn’t stop you in time. Someone else’s negligence was at more fault, but you’re worried about the repercussions if your driving wasn’t perfect.

Thankfully, Utah’s state code addresses this issue. The code states that the fault of a person seeking recovery may not alone bar them. It also states that a person can recover from any defendant or group of defendants whose fault, combined with the fault of persons immune for suit and non-parties to whom fault is allocated, exceeds the fault of the person seeking recovery.

Protection from insurance

In Utah, every auto insurance policy includes Personal Injury Protection (PIP) coverage, also called “no fault” coverage. PIP pays benefits regardless of who caused the accident. Your insurance company should get reimbursed by the at-fault party’s insurance for the amounts paid.

PIP coverage allows accident victims to access immediate relief from expenses and damages, providing benefits and coverage such as:

  • Paying the first $3,000 in medical expenses
  • Paying $250 or 85 percent of your lost wages per week.
  • Paying $20 per day for household services such as lawn care, dishwashing, etc.
  • Covering funeral benefits of $1,500
  • Covering death benefits of $3,000

This coverage extends to all passengers as well, which means if you were driving a car with two passengers, all three of you should be paid at least $3,000 each in medical expenses by PIP.

The stress of an accident and establishing its fault can be overwhelming, but there are protections for you in place that can still assist you in receiving compensation for your injuries.

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