When you are in a Utah car accident you may wonder which insurance provider will pay your medical bills and in what order will they pay them? Here is the priority of how insurance providers pay out on your medical bills incurred from a Utah car accident.
(1). Workers Compensation. If you are at work and in a car accident, your own employer’s Workers Compensation insurance will be the primary insurance company to pay your medical bills. Remember, you will have two claims when you are hurt in a car accident at work. The first claim is for Workers Compensation benefits and the second claim is against the at-fault driver’s insurance for bodily injury.
(2). Auto Insurance, Personal Injury Protection Benefits. If you were not at work when the car accident happens, then your own Utah car policy of insurance will step in and provide at least $3,000 in medical care coverage. Most states offer similar medical pay benefits that are attached to car insurance polices. In Utah these medical pay benefits are call personal injury protection benefits “PIP.”
If you are a passenger, the policy of insurance that covers the car you were riding in is the primary PIP provider. After you exhaust the primary PIP, then you can stack your own car policy of insurance for another round of medical pay benefits.
(3). Private Health Care Insurance. Once your PIP benefits have exhausted, you then provide an exhaust letter to your private health care insurance carrier to start those benefits.
(4). Car Property Damage. When your car is damaged in a car accident, your own car insurance can get your car fixed if you have collision coverage. If you don’t have collision coverage, you can ask the at-fault driver’s car insurance to pay the damage bill.
(5). Bodily Injury Damages. When you are hurt in a Utah car accident, the at-fault driver, or driver’s car insurance will pay for your lost wages, medical bills, and general damages for pain and suffering.
Sometimes there are multiple cars involved in the collision, each sometimes sharing a portion of fault. In that circumstance each at-fault driver’s insurance company will pitch in to pay off your medical bills and pay for your injuries.
If you are in a Utah car accident having a good personal injury attorney matters when coordinating insurance payments and obtaining fair and adequate compensation from the at-fault driver’s insurance company.
Call personal injury attorney Jacob S. Gunter at (801) 373-6345 for a free consultation.