A no-fault state is one in which drivers injured in car accidents can seek compensation from their own insurance companies, regardless of who was at fault for the accident. This contrasts with a traditional fault state, in which the driver found to be at fault for an accident can be sued by the other drivers involved.
No-fault states provide injured drivers with a quick and easy way to receive compensation for their injuries. This can be especially helpful in cases where the other driver is not easily identifiable or when the accident is particularly severe. In addition, no-fault states typically have lower insurance rates than fault states.
Is Utah a No-Fault State for Drivers?
Yes, Utah is a no-fault state for drivers, which means that injured drivers can receive compensation from insurance companies whether or not the accident was their fault. Drivers can receive any necessary compensation to assist with medical coverage if any injuries occurred in the accident, which comes from PIP insurance.
Personal injury protection (PIP) insurance is a type of insurance coverage that helps people who are injured in car accidents. PIP insurance usually covers medical expenses and lost wages from missing time at work from the accident. It’s typically required in no-fault states.
In Utah, PIP insurance is required as an add-on to your regular car insurance policy. There’s also a $3,000 coverage minimum required in the state to cover any of the medical expenses that accrue because of an auto accident.
With PIP insurance, you’ll be able to receive compensation for your medical expenses, including testing, ambulance care, and other doctor’s fees, even if you’re at fault for the accident.
How to Pay for Car Damages After an Accident
PIP insurance usually doesn’t cover car damages, only personal injuries suffered from the accident, funeral expenses, or lost wages. But this doesn’t mean that you won’t be able to get assistance to cover damages to your car that were caused by an accident.
If you’re involved in an accident, standard car insurance policies can help pay for the damages to your car. This means that you don’t have to worry about paying for the damages out of pocket. The party at fault will be responsible to have their insurance company pay for the damages from the accident.
The first thing you should do when involved in a car accident is to call the police. They will come to the scene and make a report of what happened. The party at fault will be responsible for filing a claim with their insurance company to pay for the damages made to the vehicles involved in the accident.
You should also take pictures of the damage to your car and get the contact information of any witnesses to the accident. This will help your insurance company determine who was at fault for the accident.
Repairing Car Damage
If your car has been damaged in an accident, you’ll need to take it to a body shop so they can assess the damage and determine whether repairs can be made, or if the car will be deemed a total loss.
Valley Collision can assess your car that has been damaged in an accident. Give us a call today and let us get you back on the road!