Being in an automobile accident can be stressful. Moreover, if you have been injured in the accident because of someone else’s negligence, you may find it unfair to pay for your own damages. You may be wanting to file a compensation claim against the defendant to recover your damages. However, getting this compensation can take time and may not help you pay your bills right away.
Exactly who is responsible for paying your medical bills depends on the type of accident, the state you live in as laws differ, and the type of insurance coverages involved. Understanding legal concepts can be difficult. You can take the help of a Lehi, UT car accident lawyer to understand the legalities and avoid making mistakes that may weaken your case.
Who pays for your medical bills in a car accident?
Who pays for your medical bills depends on the laws of the state you reside in. Utah, which is a no-fault state, requires the victims of a car accident to pay for their own injuries regardless of whose fault it is. For this, the state requires all vehicle owners to carry personal injury protection (PIP) insurance to pay for their injuries after the accident quickly. This law was established to lower the number of car accident lawsuits.
The bottom line is, if you are from Utah, you will most likely have to pay for your medical bills. After the accident, you need to file a claim with your insurance company for compensation. You will likely have to provide proof of the accident and your injuries as well. If your insurer refuses to pay the compensation or devalues it, you can hire an attorney.
Which damages are covered in the PIP insurance policy?
The following damages are covered in the personal injury protection (PIP) insurance policy.
- Medical bills – In Utah, PIP insurance covers medical bills up to $3000 per person. Medical bills covered may include x-rays, prescriptions, rehabilitation, nursing, hospitalization costs, and dental services. Along with that, ambulance transportation is also covered.
- Lost income – If your injuries are affecting your job, PIP coverage will cover your lost wages or income. You receive weekly compensation of $250 or 85% of your lost income. However, you only receive this for up to a year, regardless of whether your injuries have healed or not. After a period of one year, you will most likely have to rely on your own funds.
Other damages covered are:
- Up to $3,000 death benefits for family members.
- Funeral costs of up to $1,500.
- Special allowance of up to $20 if you are unable to perform daily life tasks.