2026 Update: Utah Personal Injury Protection (PIP) Benefits and New Exclusions
Utah Personal Injury Protection (PIP) Benefits in 2026
Utah law requires most automobile insurance policies to include Personal Injury Protection (PIP) coverage. PIP is a no-fault benefit system designed to provide immediate financial support after a car accident—regardless of who caused the crash.
What PIP Covers in Utah
PIP benefits remain largely unchanged in 2026 and continue to provide baseline protection, including:
Medical Expenses
- At least $3,000 in no-fault medical coverage for injuries arising from a motor vehicle accident
Wage Loss
- Compensation up to $250 per week or 80% of lost income, whichever is less
Household Services
- Up to $20 per day for necessary services you are unable to perform due to injury
Additional Benefits
- Other benefits may apply, including funeral benefits and additional limited coverages
These benefits apply quickly and without regard to fault, making PIP the first layer of recovery after most Utah car accidents.
New in 2026: Added Coverage Exclusion
The Utah Legislature made a targeted amendment to PIP coverage by adding a new exclusion. Policies may now exclude coverage for injuries arising out of:
- War
- Civil war
- Insurrection
- Rebellion
- Revolution
This change does not affect typical motor vehicle accident claims, but it clarifies the outer boundaries of coverage in extreme scenarios.
When PIP Benefits Apply
In most situations, PIP is triggered by the vehicle involved in the accident—not by fault.
Examples
- If you are rear-ended on I-15, PIP benefits are triggered regardless of who caused the crash
- If a driver strikes a pedestrian and then crashes into another object, PIP may apply to both the driver and the pedestrian’s injuries
Key Point: PIP follows the accident, not liability.
Why PIP Coverage Matters
PIP is often overlooked, but it plays a critical role in the early stages of any injury claim:
- Pays medical bills immediately
- Provides income replacement during recovery
- Reduces financial pressure while fault and liability are being determined
The 2026 amendment does not change how PIP works day-to-day—but it reinforces the importance of understanding what is (and is not) covered.
Questions About Your PIP Coverage or Claim?
If you’ve been injured in a Utah car accident and have questions about your Utah Personal Injury Protection (PIP) benefits or your case:
📞 Call or Text: (801) 373-6345
Early guidance can make a significant difference in how your claim is handled.
