Understanding Utah’s PIP Subrogation Deadline: Clearing Up the Confusion Before Time Runs Out

Utah’s approach to Personal Injury Protection (PIP) subrogation is an anomaly in American insurance law, presenting a uniquely statutory framework that has bred significant confusion among subrogation professionals over the applicable statute of limitations. Unlike other states that rely on equitable or contractual subrogation principles, Utah has enacted a rigid statutory mechanism for PIP reimbursement…