Most Utah Drivers Don’t Know Their Auto Insurance Already Covers Injury Care — Local Chiropractor Wants to Change That
Mecham Chiropractic reminds South Valley residents that Utah’s no-fault PIP coverage pays for accident treatment regardless of who was at fault
MILLCREEK, Utah — July 7, 2026 — After a car accident, most people worry about two things: their vehicle and the bill for getting themselves checked out. What many Utah drivers don’t realize is that their own auto insurance policy already includes coverage designed to pay for that care — often with no out-of-pocket cost and no matter who caused the crash.
It’s called Personal Injury Protection, or PIP, and it’s built into every auto insurance policy sold in Utah. As a no-fault state, Utah requires drivers to carry a minimum of $3,000 in PIP medical benefits.
That coverage kicks in for you and your passengers after an accident, paying for medical treatment — including chiropractic care — regardless of fault.
“We see it constantly. Someone gets rear-ended, feels a little stiff, and decides to tough it out because they assume care is going to cost them,” said Dr. Cody Mecham of Mecham Chiropractic. “In most cases, the treatment they need is already paid for through their own PIP coverage. They just never knew it was there.”
The stakes are higher than a sore neck. Injuries like whiplash often don’t show their full symptoms for
days or even weeks after a collision, when adrenaline fades and inflammation sets in. Delaying an
evaluation can allow a treatable injury to become a chronic one — and can also complicate a PIP
claim, since Utah places time limits on when accident-related care must begin.
“The single most important thing you can do after an accident is get evaluated early,” Dr. Mecham said. “Even a low-speed fender bender can cause soft-tissue damage that gets worse if it’s ignored. Getting checked out quickly protects both your health and your coverage.”
Mecham Chiropractic offers complimentary PIP injury checks for accident victims and works directly with insurance on PIP claims, so patients can focus on recovery rather than paperwork. The clinic
encourages anyone who has been in a recent collision — even a minor one — to be evaluated promptly.
What Utah Drivers Should Know About PIP
• It’s already in your policy. Every Utah auto policy includes PIP; the state minimum is $3,000 in medical benefits.
• Fault doesn’t matter. PIP pays for your care whether or not you caused the accident.
Mecham Chiropractic reminds South Valley residents that Utah’s no-fault PIP coverage pays for accident treatment regardless of who was at fault
MILLCREEK, Utah — July 7, 2026 — After a car accident, most people worry about two things: their vehicle and the bill for getting themselves checked out. What many Utah drivers don’t realize is that their own auto insurance policy already includes coverage designed to pay for that care — often with no out-of-pocket cost and no matter who caused the crash.
It’s called Personal Injury Protection, or PIP, and it’s built into every auto insurance policy sold in Utah. As a no-fault state, Utah requires drivers to carry a minimum of $3,000 in PIP medical benefits.
That coverage kicks in for you and your passengers after an accident, paying for medical treatment — including chiropractic care — regardless of fault.
“We see it constantly. Someone gets rear-ended, feels a little stiff, and decides to tough it out because they assume care is going to cost them,” said Dr. Cody Mecham of Mecham Chiropractic. “In most cases, the treatment they need is already paid for through their own PIP coverage. They just never knew it was there.”
The stakes are higher than a sore neck. Injuries like whiplash often don’t show their full symptoms for
days or even weeks after a collision, when adrenaline fades and inflammation sets in. Delaying an
evaluation can allow a treatable injury to become a chronic one — and can also complicate a PIP
claim, since Utah places time limits on when accident-related care must begin.
“The single most important thing you can do after an accident is get evaluated early,” Dr. Mecham said. “Even a low-speed fender bender can cause soft-tissue damage that gets worse if it’s ignored. Getting checked out quickly protects both your health and your coverage.”
Mecham Chiropractic offers complimentary PIP injury checks for accident victims and works directly with insurance on PIP claims, so patients can focus on recovery rather than paperwork. The clinic
encourages anyone who has been in a recent collision — even a minor one — to be evaluated promptly.
What Utah Drivers Should Know About PIP
• It’s already in your policy. Every Utah auto policy includes PIP; the state minimum is $3,000 in medical benefits.
• Fault doesn’t matter. PIP pays for your care whether or not you caused the accident.
• It covers chiropractic care and related treatment for accident injuries.
• Time matters. Symptoms can be delayed, and Utah limits how long you have to begin care — so don’t wait to get checked.
Mecham Chiropractic is a proud member of the South Valley Chamber and serves the Millcreek and greater Salt Lake Valley community.
About Mecham Chiropractic
Mecham Chiropractic is a Millcreek, Utah chiropractic clinic led by Dr. Cody Mecham, offering chiropractic adjustments, spinal decompression, auto-injury and PIP care, and wellness treatment.
The practice is dedicated to helping neighbors move, feel, and live pain-free. Learn more at mechamchiro.com.
Media Contact
Dr. Cody Mecham
Mecham Chiropractic
4700 South 900 East #16, Millcreek, UT 84117
(801) 590-8615
mechamchiro.com
• Time matters. Symptoms can be delayed, and Utah limits how long you have to begin care — so don’t wait to get checked.
Mecham Chiropractic is a proud member of the South Valley Chamber and serves the Millcreek and greater Salt Lake Valley community.
About Mecham Chiropractic
Mecham Chiropractic is a Millcreek, Utah chiropractic clinic led by Dr. Cody Mecham, offering chiropractic adjustments, spinal decompression, auto-injury and PIP care, and wellness treatment.
The practice is dedicated to helping neighbors move, feel, and live pain-free. Learn more at mechamchiro.com.
Media Contact
Dr. Cody Mecham
Mecham Chiropractic
4700 South 900 East #16, Millcreek, UT 84117
(801) 590-8615
mechamchiro.com
Mecham Chiropractic LLC
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Cody Mecham Doctor
- July 07, 2026
- (801) 590-8615
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