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Auto Insurance Claims/PIP coordinating with Short Term disability


I live in Utah. I was involved in an auto accident which involved personal injuries. I have already been off a month from work and have a 60% short term disability policy. How if at all does short term disability work with the loss of earnings benefit on the auto policy?

Hello Maurine,

Understand that I do not have access to your PIP policy or your disability policy, so I can only answer in a general sense. You will need to refer to both policies for specific details.

That being said, ordinarily in the case of a traffic accident the auto benefits (in this case PIP) will be primary over the disability coverage.  What that means is that PIP benefits would have to exhaust before the disability would kick in.  But since PIP would also cover your actual medical expenses, it is safe to assume that the benefits would exhaust on those expenses, leaving the balance (if there is one) to be used for disability.

The point is, most PIP does not have adequate benefits to pay for both medical expenses and disability - at least not for a serious injury or over a period of time.  In that case, you would have to file a claim with the disability policy.

I suggest you refer specifically to your policies and also contact your employer's HR department for further information.

Good luck

Jane Pytel  

Auto Insurance Claims

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Jane Pytel


I can answer questions related to auto accidents, auto damage, auto theft claims, or personal injury claims. I am specifically suited to answer questions concerning insurance investigations and the effects of those investigations such as claim delays, claim denials, examinations under oath, or the special investigations unit. I can answer most any question that relates to proper claims investigations, or claims handling procedures and processes. I have authored several ebooks which provide claim guidance for consumers. Those books are available on Amazon Kindle: Power To Profit - will provide you with the knowledge you need to overcome the patterned obstacles that insurance companies will use to delay, devalue, or deny your valid insurance claim. The No Nonsense Guide to Accident Settlement - Teaches you how to manage your claim, how to identify the precise tactics likely to be used against you, and how you must respond.


12 years of experience with 3 major insurance companies. I hold an all lines adjusters license in Florida. I am well versed in claims handling, claims investigations, and industry standards related to both. The bulk of my experience stems from my 10 years as a police officer / detective. Building on that investigative experience, I became an SIU (Special Investigations Unit) Investigator. Accordingly, my unique expertise lies in the investigation of claims. What is necessary and related, what is not necessary and related? What constitutes a fair claims investigation? What recourse is available for consumers who suspect they are experiencing unfair claims delays? During the course of my experience, I became a certified trainer, instructing adjusters and investigators proper techniques for claims investigation and claims handling.

B.A., Communications, University of Miami 350 credit hours of intense investigative training, Miami Dade Police 80 hours of investigative training, various Federal Agencies, Miami, Fl Intensive Accident Reconstruction and Pedestrian Injury Analysis, NHTSA, National Highway Traffic Safety Agency, Oklahoma City, OK 2 weeks Auto Damage Appraisal, Winston Salem, NC Legal Principles Claim Specialist, AEI

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