If you are injured in an auto accident near Bluffdale, UT, your auto insurance policy may help pay for medical treatment regardless of who caused the accident. Utah is a no-fault insurance state, which means medical care is prioritized over determining fault. Having the right coverage in place can help ensure you receive timely treatment after an accident.
At United Insurance Services, we help drivers design auto insurance policies that include adequate medical protection and comply with Utah no-fault requirements.
Why Utah Uses a No-Fault Insurance System
Utah adopted the Automobile No-Fault Insurance Act in 1974 as part of a nationwide effort to reduce delays and costs associated with auto accident claims. The system is designed to support several key goals.
- Faster access to medical treatment
- Reduced strain on the court system
- More predictable insurance costs
In at-fault states, medical providers may wait months for payment while liability is determined. In Utah, personal injury protection coverage applies immediately, allowing injured drivers and passengers to receive care without waiting for fault decisions. This system helps limit minor lawsuits and reduces legal expenses tied to smaller claims.
Personal Injury Protection Coverage in Utah
Personal injury protection coverage is mandatory on all Utah auto insurance policies. Standard coverage includes the following minimum benefits.
- $3,000 per person for medical expenses
- $250 per week for lost income
- $20 per day for essential services
Many drivers choose to increase their personal injury protection limits to $10,000 or more, as medical costs can quickly exceed the minimum coverage after a serious accident.
You may still be able to pursue a claim against an at-fault driver if your medical expenses exceed $3,000, or if the accident results in permanent disability, impairment, or dismemberment.
Let the professionals at United Insurance Services help you build an auto insurance policy that provides meaningful protection. Contact our Bluffdale, UT office to learn more about no-fault auto insurance and your coverage options.