The vast majority of auto patients that come into our office pay nothing out of pocket for treatment. Utah is considered a “no fault” state. That means that regardless of who is at fault, there are funds set aside for your treatment, at least $3,000.00. The patients that end up paying for treatment are those who have waited to start treatment. The best way to avoid this is to come in for an exam and start treatment as soon as possible after the accident. If there is a gap in time from the wreck and when you start treatment, the insurance company likely will deny responsibility and you will be left with covering your expenses.