On Monday, I was stopped at a stop sign, and another vehicle was completely stopped behind me. A third driver did not realize there would be a stop, and hit his breaks too late- colliding with the vehicle behind me which then hit me. I was the only person injured in the accident, and ended up seeking care for whiplash the next morning.
Both other drivers were insured and I was not. (I had actually called fifteen minutes before the accident to reinstate my liability insurance which was cancelled from non payment, that's another story of course. The reinstatement was more than I could afford, so I couldn't pay it. Anyone reading this is free to point and laugh now.)
In my understanding, the at fault driver's insurance will pay to repair my vehicle or total it out depending on the cost of repair. I also read that in the state of UT where liability with PIP is required, your insurance pays the first $3000 of medical or pain/suffering. What I cannot find out it seems, is what happens if I was uninsured?