This fact sheet discusses your rights and duties in Utah when you file a third-party claim with another driver's insurance company. The Department of Insurance is unable to provide legal advice or legal assistance.We suggest you speak with an attorney of your choosing if you have questions. Learn how to navigate Utah's PIP applications after a car accident. Understand benefits, documentation, and how to maximize your recovery. This guide will provide an overview of the steps necessary for navigating a car accident claim in Utah, guiding you every step of the way. Personal Injury Protection (PIP) is one of the best policy additions you can make to your automobile insurance policy. If you don't have PIP, get it ASAP! Your car insurance will not pay any medical bills until you open an insurance claim and fill out the PIP application and HIPAA medical release.