Car Accident Recovery

Hurt in a crash? Your care is already paid for.

Even if the accident was your fault, Utah law gives you Personal Injury Protection: financial coverage built into your own auto policy. Most people never use it because they don't even know it's available. We provide the care you need and bill your insurance directly.

$3,000 per person Regardless of fault No cost to you

$3,000*

Every person injured in the accident qualifies for at least $3,000 in medical care, no matter who caused it.

We provide physical therapy, massage therapy, and concussion care / vestibular rehab, related to the injuries from your crash at no cost to you.

*Minimum required by Utah law; your policy may offer more.

If you need more care once that's used up, we can connect you with a personal injury attorney, or work with yours if you already have one, to help cover it.

Getting Started

How to access your PIP benefits

Three simple steps, and we handle the rest.

Report the accident

Let your auto insurance provider know you were in an accident, the same way you always would.

Get your claim number

Let them know you're injured and want to use your PIP benefits, then ask for your personal injury protection claim number.

Bring it to us

Give us the claim number and we'll take care of billing directly: nothing else for you to manage.

Quick Reference

Find your insurance company

Tap your company to see the fastest way to get your PIP claim number: app, online, or phone, and what to mention once you're connected.

State Farm

  1. Report it in the State Farm app or at statefarm.com: it only takes a few minutes.
  2. Or call 800-732-5246 (800-SF-CLAIM), 24/7.
  3. Let them know you're injured and want to use your PIP benefits, then ask for your personal injury protection claim number.
  4. Provide us with that claim number and we'll bill for you.

Allstate

  1. Log in to My Account or the Allstate Mobile app to report the accident.
  2. Or call 800-255-7828, 24/7.
  3. Let them know you're injured and want to use your PIP benefits, then ask for your personal injury protection claim number.
  4. Provide us with that claim number and we'll bill for you.

Progressive

  1. Log in to the Progressive app or at progressive.com and report the accident: they'll email you a claim number as soon as you submit.
  2. Or call 800-776-4737.
  3. Let them know you're injured and want to use your PIP benefits, then ask for your personal injury protection claim number.
  4. Provide us with that claim number and we'll bill for you.

GEICO

  1. Report it in the GEICO Mobile app or online: about 5 minutes, and you can manage the claim right away.
  2. Or call 800-841-3000, 24/7.
  3. Let them know you're injured and want to use your PIP benefits, then ask for your personal injury protection claim number.
  4. Provide us with that claim number and we'll bill for you.

Farmers Insurance

  1. File online (about 5 minutes with your policy number) or through the Farmers app.
  2. Or call the Farmers Claims Center at 800-435-7764.
  3. Let them know you're injured and want to use your PIP benefits, then ask for your personal injury protection claim number.
  4. Provide us with that claim number and we'll bill for you.

Bear River Mutual

  1. File online at bearrivermutual.com, or call a representative directly: no dedicated mobile app right now, so phone is usually most reliable.
  2. Call 801-267-5000, available 24/7.
  3. Let them know you're injured and want to use your PIP benefits, then ask for your personal injury protection claim number.
  4. Provide us with that claim number and we'll bill for you.

Liberty Mutual

  1. File online at fileaclaim.libertymutual.com or in the Liberty Mutual app: about 10 minutes.
  2. Or call 800-225-2467 (800-2CLAIMS).
  3. Let them know you're injured and want to use your PIP benefits, then ask for your personal injury protection claim number.
  4. Provide us with that claim number and we'll bill for you.

USAA

  1. File in the USAA Mobile App or at usaa.com.
  2. Or call 800-531-8722.
  3. Let them know you're injured and want to use your PIP benefits, then ask for your personal injury protection claim number.
  4. Provide us with that claim number and we'll bill for you.

American Family Insurance

  1. File in the MyAmFam app or online at myaccount.amfam.com: usually the fastest option.
  2. Or call 800-692-6326 (800-MY-AMFAM).
  3. Let them know you're injured and want to use your PIP benefits, then ask for your personal injury protection claim number.
  4. Provide us with that claim number and we'll bill for you.

Don't see your company, or want help either way? Bring in whatever you have and we'll help you track down the right number.

The Basics

What is PIP, really?

PIP stands for Personal Injury Protection, and it's required by law for every auto policy in Utah, with a state minimum of $3,000 per person.

Quick facts:

Comes from your own policy, not the other driver's Covers driver & every passenger Won't raise your rates

Care this can help pay for:

Physical Therapy Massage Therapy Concussion Care / Vestibular Rehab Other Rehabilitation Care

Feel Better, Starting Today

Your Post-Accident Evaluation is where recovery begins.

Your evaluation maps out the right plan for you: whether that's physical therapy, massage, concussion care / vestibular rehab, or a combination.

Or call us at (385) 262-3306

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