How Utah No-Fault Auto Insurance Works

Fault is Still Important in Your Accident Case

When you are injured in an auto accident in Utah, you are in a no-fault state. This doesn't mean that fault is not important. It means that regardless of who was at fault, your own insurance will pay your first $3,000 in medical bills. That is a threshold amount. Until you meet this threshold (or have permanent impairment) you can't bring a personal injury lawsuit against anyone.

At the law office of Rasmussen & Miner in Salt Lake City, we offer a free initial consultation to answer your questions about no-fault insurance or any other issue related to your accident. Our lawyers will even fill out your no-fault auto insurance claim at no charge just to ensure that you receive all of the personal injury protection (PIP) benefits you are entitled to.

In addition to medical expenses, no-fault insurance will pay a percentage of lost wages for up to 52 weeks after injury. However, no-fault won't pay unless a doctor assesses you and puts you on work restriction.

Why You Should Use Your No-Fault Benefits

The first and most important thing you should do after an accident is receive medical treatment. If you don't use your no-fault medical coverage, you are foregoing benefits that you paid for. Obtaining medical care from an appropriate provider (a doctor, orthopedic surgeon or neurologist) will also help document your injuries if there is a dispute with the insurance company of the at-fault driver.

Many people are concerned that using their no-fault insurance will affect their insurance rates. It won't, particularly when you are not at fault for the accident.

What Happens After No-Fault

After your no-fault benefits are exhausted, or if you have a permanent injury, our lawyers will file a personal injury claim against the insurance company of the at-fault driver.

Insurance subrogation. Once you collect damages in a personal injury case, your own health insurance company will expect reimbursement for any medical expenses it covered. Our lawyers will negotiate with your health insurance carrier to ensure that you end up with the most money in your pocket after your case is resolved.

Free Attorney Consultation

Come in with questions, leave with confidence that your auto accident case will be handled properly. Call (801) 363-8500/(800) 585-6726 or fill out the contact form on this Web site to schedule a free initial consultation with a lawyer at our Salt Lake City office.

Learn More about Utah Auto Accident Law

What Happens in an Auto Accident

Uninsured and Underinsured Motorist Claims