Personal Injury Protection or “PIP” is an extension of car insurance that is available in some states like Utah. It is what is known as a no-fault clause which means that fault does not have to be established in order to received benefits. This extends further out to the point where even the at fault party can apply for PIP benefits under their insurance policy. There are even exceptions put in place that allow injured people to utilize PIP benefits even if they do not own a car. The specific terms and regulations can be found in your insurance policy. The typical areas of coverage include medical expenses, traveling costs and lost wages.
Denied PIP claims
Sometimes insurance companies will deny PIP benefits. Just like any other insurance claim, there are reasons why the insurance company can deny these benefits. The most common reasons include:
- They feel the treatment was not necessary
- They feel the treatment was not reasonable
- The injuries were not related to the accident
- The treatment took place too long after the accident
That is where we come in. When you speak with a Utah PIP attorney we will look at the details of your case at no cost to you.
Why you may need at attorney
In theory, PIP benefits are designed to help make the recovery process go quicker, with less litigation. However, insurance companies are in the business of making money. This can mean that sometimes claims are inappropriately denied. If you or a loved one has been injured and are dealing with personal injury protection benefits, or any other benefits for that matter, give us a call to speak with an attorney about your case.
Make sure that you treat for your injury within 14 days of the accident. Keep good records of who you treated with and why. It is also helpful to gather as many medical records as bills as you can along the way for future reference.
Keep track of all of your costs. This includes lost wages and mileage as your travel to and from different treatment facilities. Remember, these costs can be claimed even after you have exhausted your PIP benefits.
Have an attorney speak with your insurance company to track your progress. They will notify you when you need to provide further information and documentation to the insurance companies so that you can focus on healing.