{"id":56329,"date":"2023-04-18T15:45:40","date_gmt":"2023-04-18T15:45:40","guid":{"rendered":"https:\/\/injurysmartlaw.com\/?page_id=56329"},"modified":"2023-07-25T21:49:47","modified_gmt":"2023-07-25T21:49:47","slug":"pip-no-fault-band-aid-benefits","status":"publish","type":"page","link":"https:\/\/injurysmartlaw.com\/pip-no-fault-band-aid-benefits\/","title":{"rendered":"Utah PIP \/ No Fault \/ \u201cBand-Aid Benefits\u201d"},"content":{"rendered":"\t\t
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In Utah, there are three basic insurance benefits available to victims of an accident that caused physical injury. These benefits have many names, but are most commonly referred to as PIP, No-Fault, or \u201cBand-Aid Benefits\u201d. These benefits provide:<\/p>

  1. $3000 of Medical Expenses<\/li>
  2. $ 250.00 per week or 85% of your gross weekly wage, whichever is the least<\/strong><\/li>
  3. $20.00 per day for household services<\/li><\/ol>

    Let\u2019s take a minute and discuss the requirements for collecting each of these benefits. The first step to obtaining any of these benefits is to fill out a PIP (Personal Injury Protection) application<\/a>, which will be provided by your insurance company.<\/p>

    Three Basic PIP Benefits<\/h2>

    1. $3,000 of Medical Expenses.<\/h3><\/li><\/ol>

      Your own insurance company is required by state law to cover the first $3000 of medical bills. Your healthcare provider will bill them directly if they are provided with the company name and claim number. Your doctor will also need to fill out a \u201cPhysician\u2019s Initial Report\u201d You have three (3) years from the date of the accident to use this benefit.<\/p>

      1. $250 per week or 85% of your gross weekly wage, whichever is least.<\/h3><\/li><\/ol>

        A form will be provided by your insurance company to claim these benefits. Generally this form will ask for your wage-earning history, your current hourly\/salary rate, when you started work, and whether you regularly work overtime. The No-Fault carrier will typically look backwards from 10-20 pay periods to determine your average weekly wage. This benefit is available for 52 weeks from the time it is first claimed.<\/p>

        Please understand that the insurance company puts the burden on you to provide work release notes saying how long you will be off work. Generally, this note needs to be filled out every 30 days by your doctor.<\/p>

        1. $20.00 per day for Household Services.<\/h3><\/li><\/ol>

          You may qualify for this benefit if you have a note from the doctor outlining which household chores you are unable to perform. The note should include the period of time you are unable to perform those duties. This note also need to be updated every 30 days. You must keep track of who actually helps your around the house in order for you to qualify for Household Service benefits. Often your insurance company will provide a calendar for this purpose. The benefit is available for 52 weeks from the time it is first claimed.<\/p>

          To summarize, in order for your insurance company to efficiently process your claim, and provide the \u201cBand-Aid benefits\u201d for which you paid, your insurance company and our office need copies of the following documents:<\/p>

          1. Pip or No-Fault Application<\/li>
          2. Physician\u2019s Initial Report<\/li>
          3. Employer\u2019s Wage Verification<\/li>
          4. A doctor\u2019s note releasing you from work