According to Utah State law 31A-22-307 personal injury protection coverage and benefits ‘covers the reasonable value of all expenses for necessary medically, surgical, X-ray, dental, rehabilitation, including prosthetic devices, ambulances, hospital, and nursing services, not to exceed a total of $3000.00 per person’. (Some carriers may offer higher benefits… check your policy). Typically, Personal Injury Protection insurance (or ‘PIP’) will cover 100% of Elite Performance Health Center services rendered up to $3000 of available ‘PIP’. When care beyond ‘PIP’ limits is necessary to achieve maximal medical improvement and another party was liable for the accident, it is highly recommended to retain the services of an attorney. Typically, any unpaid balance beyond ‘PIP’ limits is covered during settlement through the efforts of an attorney and the insurance carrier.
It’s not uncommon for insurance carriers to deny payment and/or be slow to pay the bill when any of following occur: