$3,000 is the minimum PIP medical coverage required on a Utah auto policy, and that is often nowhere near enough when a pregnant crash victim in Sandy needs ER care, fetal monitoring, follow-up OB visits, and repeat checks after pain, bleeding, or contractions.

What should have happened: after a Utah crash, your own PIP coverage should start paying reasonable accident-related medical bills right away, no matter who caused it. That can include ambulance transport, ER evaluation, labor and delivery triage, ultrasound, and monitoring ordered because of the collision. If a moving van hit you on I-15, State Street, or during a storm-related hydroplaning crash, the other side should not be pushing a fast payout before your doctors know whether you and the baby need more care.

A quick settlement push usually means they want a full release signed before the real costs are clear.

What to do now: do not cash or sign anything labeled release, full and final settlement, or similar. Ask for every offer in writing. Keep all records from Alta View Hospital, Intermountain, University of Utah, or your OB. If police responded in Sandy, get the crash report through the Sandy City Police Department or Utah's crash records system. If the insurer is hinting you caused it because of rain, flash flooding, or debris, remember Utah's modified comparative fault rule: if you are 50% or more at fault, you recover nothing.

What comes next: once your PIP is exhausted, the at-fault driver or company may owe the rest, including future pregnancy-related treatment tied to the crash, lost income, and pain and suffering if your injuries meet Utah's no-fault threshold. Watch the clock: Utah generally gives you 4 years to file an auto injury lawsuit, but evidence disappears much sooner, especially with commercial vehicles. If the van company is demanding a recorded statement now, that is often part of building a fault argument before your medical picture is complete.