The very abreviated version is this - the first $3,000 in medical expenses are covered, regardless of who is at fault. You can expect your insurance (again, regardless of who is at fault) to pay those expenses. Your insurance will seek reimbursement from the other driver's insurance, but you probably never hear about it.

If you have less than $3,000 in medical bills, you are probably not able to bring a lawsuit seeking other damages such as "pain and suffering." Hence, the $3,000 limit is a barrier to recovery.

No-Fault/PIP includes more than just the $3,000.00 and can include additional amounts for lost-wages, loss of household services, etc.

You really don't need an attorney to recover the PIP benefits. Some attorneys will happily charge you to help, but IMO an attorney is only worth it if you will be able to seek recovery above the PIP benefits - meaning you have more than $3,000 in medical bills.

The fight over the damage to the vehicle can be tough when liability is disputed. This is another area where, IMO, an attorney is only worth engaging if either (1) you are losing the fight over liability and getting nothing or (2) an attorney agrees to handle the property damage for no additional charge as he represents you in the personal injury dispute.

Really, the best advice at the early stage is to listen to your doctors. Get the treatment you need.

Some people have said to not talk with the other insurance company. That is the cautious approach. But if your account is consistent and, ahem, true then giving a statement isn't the end of the world. Also, if you aren't dedicated to getting an attorney then you will be required to convince the insurance companies of the facts. That is hard to do without making a statement.

Here is a link to the PIP statute: https://le.utah.gov/xcode/Title31A/Chapter22/31A-22-S307.html