You Have Questions and I Have Answers—Read My FAQs Now
A benefit of the personal attention you will get at William Enoch Andrews, Injury Lawyer, is that I am here to answer your questions personally. However, I find that sometimes my clients aren’t sure what questions to ask. My frequently asked questions will cover just about everything. And the answers are detailed, researched, and comprehensive—no simple “yes” or “no” here!
Being in a car accident, motorcycle accident or trucking accident impacts your whole life. It impacts you physically, mentally, emotionally, spiritually and financially and most people don’t know what to do during this very challenging and hard time.
Here are some tips:
1. STOP. Safely get yourself and others out of traffic immediately (and your vehicle, if possible). Stay at the accident scene until medical help and police arrive so you can get the medical care you need and so a proper police report can be done.
2. Help the Injured. If you are not seriously injured, help others who may be more injured than you are. However, don’t do anything you are not qualified and trained to do as it may cause additional injury to another person.
3. Call Police. If the police have not arrived on the scene within a fairly short amount of time, you may need to call 911 to report the accident and location.
4. Be Careful What You Say. Always tell the truth. Be careful about saying the accident was your fault. Just tell exactly what happened.
5. Witnesses. Get the Name, Address, Telephone Number and Email of everyone who saw (“witnessed”) the trucking accident, car accident or motorcycle accident.
6. Exchange Information. Exchange Name, Address, Telephone Number, Email and Insurance Company and Policy information with all other people (drivers and passengers) involved the trucking accident, car accident or motorcycle accident.
7. Get Medical Care Immediately – Even if you “Feel Fine” and Treat Consistently. This point may be very important in your car accident case. Too many people don’t get proper medical care immediately after they have been in a car accident, trucking accident or motorcycle accident because they think they “feel fine”. That can be a big mistake because you may be injured and not know it due to adrenaline in your body protecting you from feeling the full pain of your injuries. Inform the medical care professionals that you were in a car accident.
Also, the longer you wait for treatment the worse your health condition can get and other health problems may arise. Delaying your medical treatment can also weaken your case from a legal standpoint and thus reduce the money value of your case.
Treat consistently. It is very important for your health and your legal case that you follow the advice of your doctors and treat consistently. Please get medical care immediately after your trucking accident, car accident or motorcycle accident, follow the advice of your doctors and treat consistently.
8. Call Me For a Free Consultationat 801-322-HURT (4878). I will discuss your case with you, answer questions that you have and work to put you at ease during this very hard time in your life. Go to www.WilliamEnochAndrews.com and get a copy of my Free Car Accident Book “8 Wrong Turns That Will Wreck Your Utah Car Accident Case and How to Prevent Them” it will help you understand car accidents, claims, insurance, the process of going through a personal injury case and much more.
When people are seriously injured, or experience the wrongful death of a loved one from a trucking accident, car accident or motorcycle accident, they often wonder “Should I get an injury lawyer to help me?” Or, “How can a car accident lawyer help me?” Here are some answers.
Some Ways A Car Accident Lawyer(a.k.a. Injury Lawyer) Can Help You With YourSerious Injury or Wrongful Death Claim:
1. No Financial Risk To You
As an injury lawyer, I work on a contingent fee basis, which means my getting paid is contingent upon (determined by) me getting an acceptable result (amount of money) for my injured clients from the insurance companiesin the case. I only get paid when I perform.
One of the very best things I like about being an injury lawyer is that my clients do not pay me any money (“retainer”)for me to represent them in their trucking accident, car accident, motorcycle accident or wrongful death case. Again, I only get paid for my performance, which is getting a good – and sometimes great – result for my injured clients. So, no financial risk to my clients.
2. Knowledge of Personal Injury Law, Filing and Litigating an Injury Case to a Great Verdict,Insurance Law and Processes & More
There are many other thingsthan those listed above that a good personal injury lawyer knows that can help you, but suffice it to say thatit is in your best interest to put the knowledge and skill of a great car accidentlawyer to work for you.
3. It Means You Are Serious
Having a good injury lawyer represent you for your car accident or wrongful death case means you are serious about your injury claimor wrongful death claim. Period. It says to the car insurance comapnies that you will not be pushed around and taken advantage of by them. It is unfortunate that this happens to people who do not have a car accident lawyer represent them for the injuries, but the reality is that it does.
4. Peace of Mind
You focus on healing. I handle the legal matters, deal with the insurance companies and represent your best interest. You don’t have to deal with any phone calls, letters, etc., etc. from any insurance company about your injuries and their attempts to deny paying you, claim you are at fault fully or partially for the accident, and/or try to pay you far less money than your case is worth and that is fair to you.
5. Best Result for You
A 2008 Studyfound that people who have been injured in car accidents and get injury lawyers to represent them, just on average,get 3.5 times more net money (money in their hand after lawyer fees and medical bills are all paid) than those who do not.
Call me at 801-322-HURT (4878) for a Free Case Review or go to my website, www.WilliamEnochAndrews.com to order my Free Car Accident Book.
If you areseriously injured ora loved one suffered a wrongful death or accidental deathin a trucking accident, car accident or motocycle accident you will probably be called by both the insurance company of the person that caused the accident (the “tortfeasor”) and your own insurance company too. When this happens, many people wonder if they should talk to the claims representatives of either insurance company? Just their own insurance company? Neither?
Understand thatthe claims representatives for any insurance company, yours or the other person’s, work for the company that employs them, and not for you. The loyalty of insurance claims representatives isto their employer, the insurance company, and again, not to you.
Know that the main reason any insurance company claims representative is calling you is to:
1) Pay you no moneyat all, if in any way possible;
or, in the alternative
2) Pay you as little money as possible that they can get you to accept.
How do insurance companies do this? By exploiting your lack of knowledge and understanding about your rights, what questions to ask, legal time limits, personal injury law,the information that insurance companies are required by law to give youif you askbut not required to tell you if you do not. Also,statutory law, case law, civil procedure and other important matters to protect your rights and get you a fair result.
Recorded Statements. Claims representatives for insurance companies want to record your statements (their conversations with you). Why? To use it against you.
DO NOT TALK WITH ANY INSURANCE CLAIMS REPRESENTATIVE from any insurance companyif you have been seriously injured or a loved one suffered a wrongful death (accidentaldeath)in a trucking accident, car accident.
Call me at 801-322-HURT (4878)to talk about your specific situation ina Free Case Review.
I will listen to you, protectyour rights and work diligengly for youto get a good result in your wrongful death, accidental death, catastrophic injuryor serious injury trucking accident, car accident or motorcycle accident.
I look forward to helping you.
PIP is an acronym for “Personal Injury Protection”. PIP is the part of your car insurance policy that helps pay your medical bills, and other healthcare bills, if you are in a car accident.
Other names for PIP are “med pay” (because it pays for medical bills and healthcare bills from a car accident) and “no fault” pay, because your PIP can be used to pay for injuries you have because of a vehicle accident you caused.
You should increase your PIP coverage from the minimum $3,000.00 coverage required by the State of Utah to $25,000.00, $50,000.00 or $100,000.00 if your insurance carrier offers it. Why? Increasing your PIP will help get your medical bills and other healthcare bills for injuries from your car accident paid easier and faster.
PIP works by paying your medical bills from a car accident directly to the healthcare provider, usually without you being involved at all in the process. So, having high PIP coverage is a nice convenience for you.
Call your car insurance company today and increase your PIP coverage as I have recommended. With an easy 5-10 minute telephone call you and your family will be much better protected.
It should only cost you a small amount of money per month than you are already paying and it will give you much better coverage for getting your medical bills paid if you are in a serious car accident, motorcycle accident or trucking accident.
First, let me express my sincere condolences for the loss of your loved one. Second, when you lose a loved one – a husband, wife, daughter, son, father, mother, sister or brother – in a car accident it is important that you immediately get a good injury lawyer to represent you.
The truth is only when you get a good injury lawyer to represent you for the loss of your loved on in a car accident (what is called in injury law a “wrongful death”) will you get fair financial compensation for you and your family. Period. Get my FREE Accident Book.
If you do not get a good injury lawyer to represent you the insurance company or companies involved in your case will, sadly, take advantage of you and your tragedy – right at the time of your grief by offering you much less money than you should get. It is wrong. However, it does happen often. So, please don’t let that happen to you and your family; get a good injury lawyer to help.
Third, when there is an accidental death in a car wreck, a wrongful death, those types of cases are different and somewhat more involved than a serious car accident case. To give a basic understanding of the process, when a person dies there is automatically, by operation of law, an “estate” created. It is the estate of the “decedent” (the person who died in the car accident) that, with the help of a good injury lawer, actually brings the wrongful death claim.
To bring a wrongful death claim there needs to be a person properly appointed by the court to be the personal representative (if there was no Will; or the “Executor” if there was a Will) of the estate. The court is petitioned on behalf of my client that he/she is appointed to represent the decedent’s estate and, once appointed, bring a wrongful death claim from the car accident.
All money paid by any life insurance policy or paid by any car insurance policy (both of the person that caused the accident and your own car insurance policy, as well as any additional “umbrella” insurance coverage, are all included in the estate. Further, all other assets (money, house, land, vehicles, other valuables, etc.) are included in the estate.
All of the money and other assets of the estate will be properly divided among the living relatives of the decedent, depending on whether or not the decedent had a Will and/or Trust or not. If the decedent had a valid Will and/or Trust at the time of his/her death then the Will and/or Trust will instruct how all assets of the estate will be distributed among the relatives and friends of the decedent.
If the decedent did not have a valid Will and/or Trust at the time of their death, then the State of Utah has laws in place that will instruct how all the money and other assets of the decedent will be distributed.
Call me at 801-322-HURT (4878) to discuss your situation. I am happy to help.
Here are some ways to get your medical bills for injuries sustained in a car accident in Utah:
1-PIP (Personal Injury Protection). PIP is part of your car insurance policy and Utah has a $3,000.00 state minimum amount of PIP that will help pay some of your medical bills from the car accident.
Tip: You should increase your PIP coverage on your car insurance policy to $25k, $50k or even $100k to help you get more of your medical bills from your car accident paid easier, if you should need it in the future.
2-Health Insurance. Your health insurance should help pay your medical bills for treatment you received for injuries sustained in a car accident. So, please make sure you submit all of your medical bills to your health insurance, as well as all other healthcare bills and/or treatment for injuries from your car wreck.
Note: most health insurance companies and policies have a right to reimbursement (called a “subrogation lien”) for a portion of the medical costs paid out on your case; however, please still submit all of your healthcare bills from your car accident to your own health insurance.
3-Healthcare Lien. A healthcare lien works like this: a healthcare provider, like a medical doctor or chiropractor will give you the medical care that you need up front with no out-of-pocket costs to you and no monthly payment to you, have you read and sign a lien (a document promising payment) and, if I represent you I will review the document and make sure it is good and fair to you; then the healthcare given by the medical doctor or chiropractor or physician’s assistant can be paid for out of the money I get for your from the insurance company or companies involved in your case when your case settles.
Note: I get many of my clients’ medical care and other healthcare treatment done on lien.
Note: the benefits of a healthcare lien are great; as mentioned above,
1. No out-of-pocket costs to you,
2. No monthly payment;
3. You get the the healthcare you need to recover from your injuries;
4. If you do not have health insurance a healthcare lien allows you to still get the medical care you need;
5. If you do have health insurance but your deductible cost, or out-of-pocket costs are too high for you to get surgery, a healthcare lien again allows you to get all the healthcare you need
6. Your medical bills are all paid when I get money from the insurance company or comapnies involved in your case. So, much less chance of damaging your credit also.
7. Surgery done on lien. I get surgeries done on lien for my seriously injured clients. It is a great blessing and service for my clients that I am happy to help them by providing.
8. You focus on healing. I will work to get you all the medical care you need on lien so you can be at peace.
If you have been injured in a car accident in Utah you should get my FREE Car Accident Book. My book, “8 Wrong Turns That Will Wreck Your Utah Car Accident CaseAnd How To Prevent Them”will help you learn some very important things youshould doandshould notdo to protect yourself, your family, your legal rights and to get the best result for your car accident case.
Unfortunately most of the general public does not know what do do when they or a loved one has been seriously injured in a car accident. What is worse, car insurance companies take advantage of the fact that the gneral public does not know what to do and the result is harmful to the injured person and the family who as lost a loved one in a car accident.
My FREE Utah Car Accident Book helps answer your questions and gives you information about what it is like to be seriously injured or to lose a loved one in a car accident in Utah.
Some things you should notdo if you are in a Car Accident in Utah:
1-Waittoo long to make a injury claim or accidental death claim.
2-Settle your claim yourself,without getting good medical care and good legal representation.
3-Delay getting medical care.
4-Have inconsistent healthcare treatment for your injuries.
5-Try to handle your car accident case yourself.
6-Talk to any insurance claims adjuster about your injuries.
7-Sign a Release without legal counsel.
8-Think any car insurance company is helping you. They are helping themselves.
Some things youshould doif you are in a Car Accident in Utah.
1-Get medical care immediately.
2-Order my FREE Utah Car Accident Book here on my website.
3-Get a copy of the police report of your car accident case.
One way youcan request a copy of a car accident report in Utah (also known as the police report) is using this linkhttps://highwaypatrol.utah.gov/online-accident-reports/
4-Contact William Enoch Andrews, Injury Lawyer for a FREE Case Review aboutyour car accident case.
5-Follow the advice of your doctors and other healthcare professionals.
6-Treat consistently for all of your injuries.
7-Let me handle all of the legal and insurance matters for you, so you can focus on healing.
8-Know that my objective is to help you by protecting your legal rights and getting the best financial result for your case.
Dogs have lived among humans as their companions for at least 10,000 years; new research suggests it may even be as long as 40,000 years. Today, almost half of all American households have one or more dogs as pets. Given these numbers, it’s not surprising that there are sometimes negative interactions between dogs and people.
Dog lovers will swear that dogs are harmless, but 4.5 million reported dog bites every year tell a different story. Sometimes, dogs bite because they are provoked and other times they attack because they are protecting someone or something. While Utah law holds the dog’s owner responsible for the dog’s action, it can come too late for an injured victim.
How to Avoid Being Bitten by a Dog
No matter how much you like and trust dogs, you should never approach a strange dog and only approach dogs you know with caution—even if the owner encourages you to pet the dog. It is especially important to teach this to young children, along with the following tips from the Centers for Disease Control and Prevention (CDC):
- Never run from a dog.
- Do not panic or make loud noises.
- Do not disturb a dog that is sleeping, eating, or caring for puppies.
- Always allow a dog to see and sniff you first before petting it.
- Do not encourage your own dog to play aggressively.
- Never let small children play with a dog unsupervised—even your own trusted canine.
Every dog should be seen as a potential biter and treated with caution. If a dog is aggressive towards you despite the safety precautions you have taken, be prepared for an attack by learning how to react.
What to Do If You Are Attacked
The CDC has advises that you do the following if a dog comes at you in an aggressive manner:
- Put your purse, bag, or jacket between you and the dog to protect yourself.
- If you are knocked down, curl into a ball with your head tucked in and your hands over your ears and neck.
- When you get to a safe place, immediately wash wounds with soap and water. Seek medical attention, especially if the wound is serious; if it becomes red, painful, warm, or swollen; or if you develop a fever.
- If it has been more than five years since your last tetanus shot and the bite is deep, you should also see a doctor.
- Because anyone who is bitten by a dog is at risk of getting rabies, consider contacting your local animal control agency or police department to report the incident, especially if you don’t know if the dog has been vaccinated against rabies.
- If the dog appears sick or is acting strangely, report the incident to animal control or the police.
- If possible, contact the owner and ensure the animal has a current rabies vaccination. You will need the rabies vaccine license number, name of the veterinarian who administered the vaccine, and the owner’s name, address, and phone number.
Your Next Call Should Be to an Attorney
Once you have seen to your own health and safety, it is time to contact an attorney about pursuing compensation for your injuries. Utah law protects victims of dog bites, but the legal process can be complex. William Enoch Andrews has the experience with Utah’s dog bite law that you will want on your side. Connect with his office now through the link on this page.
The decision to file a lawsuit for damages in the death of a loved one is a difficult one. No one wants to feel like he is benefiting from a tragedy, but when someone else’s mistake or negligence caused the death, the person at fault should be held responsible for the financial wellbeing of the family members who are left behind. When the actions of a drunk or reckless driver kill an innocent driver, passenger, motorcyclist, pedestrian, or bicyclist, it’s important to know who has the right to pursue damages on his or her behalf.
Rights and Restrictions in Utah
In Utah, an accidental death—also known as a wrongful death—is one caused by the “wrongful act, neglect, or default” of another party. Some examples include car, truck, and motorcycle accidents, bicycle accidents, and dog attacks, where the negligent actions of another party led to the incident that killed someone.
Just as in a personal injury case, the at-fault party can be held accountable through monetary damages. However, Utah—like all other states—places a limit on who can file a wrongful death claim on behalf of the deceased. In Utah, the heirs of the deceased, or the personal representative as named in an estate plan, can file suit. Heirs are considered to be:
- The surviving spouse
- The surviving adult children
- The surviving parent or parents, including adoptive parents
- The surviving stepchildren, if they are under 18 and were financially dependent on the deceased
- Other blood relatives as listed in Utah’s inheritance laws
Unlike in a criminal case where a prosecutor must file charges, in a wrongful death case one of the heirs must file the suit in civil court. Generally, the suit is filed by an heir in the order listed above. In other words, the surviving spouse would be the designated heir to file, but if the deceased has no surviving spouse, adult children may file. If the deceased had no children, his or her parents may file.
William Enoch Andrews Can Walk You Through This Complicated Process
If you have lost a loved one upon whom you were financially dependent in an accident that was not his or her fault, you may have grounds for an accidental death claim. With the guidance of an experienced accidental death attorney, you can start to put the pieces of your life back together. Do not hesitate to contact Mr. Andrews for a free consultation via the link on this page.
Whether you ride a bike to work on a daily basis or you just ride occasionally to enjoy the fresh air and exercise, if you are hit by a car while you are obeying the rules of the road, you could be seriously injured or even killed.
Believe it or not, even when a car appears to be clearly at fault in a bike vs. car accident, it can be a difficult case for the bicyclist to prove. By taking a few simple steps immediately following the accident, however, the cyclist can protect a future claim against the driver of the car.
What to Do Following a Bike Crash
You are sure to be in some amount of shock following a collision with a car, so you may not be able to take these important steps yourself. However, a family member or bystander could just as easily help with some of these tasks at the scene of the accident. Either way, if at all possible, do the following immediately after your crash:
- Get emergency medical help if needed. The very first thing to do is to see to any serious injuries. If you are unconscious, this will be taken care of for you and you will have to count on the police to gather evidence.
- Call the police. Whether the driver of the car agrees that the police should be called or not, make the call and wait for an officer. Do not discuss fault with the driver. The police officer may ticket the driver, which will help your case later on.
- Tell the officer your version of events. Sometimes, responding officers are only concerned with the cars involved. Make sure the officer takes your statement so that your side of the story is reflected in the accident report. If the officer refuses to take your statement, an attorney can help you amend the report later.
- Get contact information. Get a name, phone number, and insurance information from the driver. Also, get names and numbers for any bystanders or witnesses. These people will be impossible to locate later on and could be key to your claim.
- Document what happened. Make mental notes at the scene and write everything down as soon as you can. It’s very easy to forget the details of a crash and these could be useful in supporting your claim.
- Document your injuries. Take photos of your injuries as soon as possible after the accident and keep records of every doctor visit. The extent of your injuries will be an important factor in determining a settlement amount.
- Preserve evidence. Ideally, you will take photos of the scene before anything is moved, but even if this is not possible, you should not repair the bike because the damage could be evidence of fault. Keep the helmet, whether it appears damaged or not. Only your attorney should have access to the bike and helmet following an accident.
- Call an attorney. These cases can be very complicated and you will need the help of an experienced bike accident attorney to protect your right to a settlement. Do not talk to the driver or any insurance agents (yours or the driver’s) until you have spoken to an attorney.
William Enoch Andrews Can Help
Even if you are unable to take these steps, an experienced attorney like Mr. Andrews will be able to recover key pieces of evidence to support your claim. Click the live chat button on this page now to start the conversation.
The fact that the insurance adjuster for the at-fault driver hopes you don’t hire an attorney to represent you should give you your answer. The reality most motorcycle accident victims face is that, no matter how extensive their injuries are, the insurance companies will try to get away with paying as little as possible. Having an attorney working for you, especially one who has experience specifically with motorcycle accidents, will only strengthen your case and raise your settlement offer.
How a Motorcycle Accident Attorney Can Help
By hiring an experienced motorcycle accident injury attorney, you can be sure you have someone on your side who understands the aspects of your case that are unique to being a biker. Some of these benefits include:
- Understanding bias. People make all kinds of negative assumptions about bikers, and these biases can affect the outcome of a claim when witnesses, judges, police officers, insurance adjusters, and other attorneys hold stereotypes about bikers that cloud their judgment.
- Being aware of contributing factors. An attorney who has investigated motorcycle accidents knows that there are many driver behaviors that lead to motorcycle collisions, including being drowsy behind the wheel, texting while driving, and speeding. He will also look for obstacles or conditions of the road that may have contributed to the crash—hazards that may not pose a threat to cars and might be overlooked by another attorney or an insurance adjuster.
- Knowing how extensive injuries can be. A motorcycle accident attorney has seen the worst a motorcycle crash can do and understands what is necessary for a recovery. He knows that the kinds of catastrophic injuries that result from bike crashes require years of therapy and rehabilitation and that victims need a substantial settlement to cover the costs.
While any personal injury attorney will likely take your case, you will need the knowledge of an attorney who has represented bikers in claims like yours.
William Enoch Andrews Is the Right Call to Make
As an avid biker himself with over 10 years in private practice in Salt Lake City, William Enoch Andrews takes only accident injury cases and has successfully represented many victims of motorcycle crashes. He will first see to your medical treatment, then investigate your crash to get you the best possible settlement. Click the link on this page to connect to his office now.
There is no doubt that you will not be thinking straight following a crash with a big truck, so expecting you to take rational steps to secure a possible future claim against the truck driver and trucking company may not be realistic. However, as soon as you are able—or as soon as a family member or friend can act on your behalf—it is important that you do a few things to protect yourself and ensure your claim has the best possible chance going forward.
Steps to Take Immediately Following the Accident
The actions you take immediately following the accident can have a significant effect on any later claims you may wish to make. Some of these things will happen with or without your direct involvement, but others will require you to be proactive.
1.Call the police. Even if, by some miracle, there do not seem to be any serious injuries or obvious damage, your first step should be to call the police and file a report. If you are involved in a major crash, the police will likely be there whether you call them or not, but in either case, you will need a police report as evidence later on.
2.Seek medical attention. If you are unconscious or seriously injured, first responders will undoubtedly take care of you, but if your injuries are not immediately obvious, it is still vital that you see a doctor for a thorough check-up after the accident. These medical records will play an important part in any injury claim.
3.Call your insurance company. Even if you are hoping to get a settlement from the truck driver or trucking company, you will have to file a claim with your own insurance company. This will also be important later on.
4.Don’t make any statements. When questioned at the scene, stick to the facts. Avoid apologizing or placing blame. Say as little as possible to the truck driver’s insurer as well as your own. Do not post any comments on social media about the accident at all.
5.Hire an attorney. Truck crashes can be complicated cases to sort out. As soon as possible following the accident, call an experienced truck accident attorney. He will know exactly how to handle the case going forward.
William Enoch Andrew Should Be Your First Call
You have a lot of options in Salt Lake City when it comes to legal representation, but you want someone who will give you the personal attention your case deserves. I handle only personal injury claims and I see to the well-being of my clients first and foremost. Call me as soon as you are able following your accident with a truck. I will go to work for you.
It seems outrageous that a drunk driver who runs a red light and slams into your car would not be considered “at fault” in the crash. But Utah is a no-fault state, so isn’t that what would happen?
Not exactly. The meaning of no-fault car insurance is generally misunderstood and may actually prevent people from pursuing a claim in a car crash that was not their fault. As a car accident attorney in Salt Lake City, I believe it’s important to explain what the law means to residents of Utah.
Twelve states, including Utah, have no-fault car insurance laws in place. Originally sold to legislatures as a way to lower insurance premiums for consumers, many states found that, in reality, it did nothing more than increase insurance companies’ profits. Around a dozen states have dropped no-fault laws, but we are not one of them.
How No-Fault Insurance Works
In general, no-fault coverage means that victims of minor accidents cannot file a lawsuit against the at-fault driver to recover payment for medical bills and other associated costs. Instead, the victim’s own insurance will pay his medical bills and lost wages. No-fault coverage will not pay for any damage to the victim’s car, however.
In Utah, the victim’s insurance company is required to pay at least $3,000 in personal injury protection (PIP) benefits to the victim, regardless of who was at fault in the accident. For minor accidents, this may be the end of the process. A motorist is rear-ended at a stop light, his taillight is smashed, he incurs minor injuries, and his own insurance company pays the medical bills—end of story.
However, when crashes result in serious injury, the victim can take legal action against the at-fault driver. If the victim’s medical bills exceed $3,000 or he has suffered a particular kind of injury, he may file a lawsuit against the other driver. The following injuries qualify under Utah’s injury threshold:
- Permanent disability
- Permanent impairment
- Permanent disfigurement
Damage to the vehicle is not considered under the no-fault system in Utah. In other words, recovering money for property damage is handled as it is in “fault” states—by suing the responsible party’s insurance company. In this situation, your compensation will most likely be limited by the amount of property damage insurance the other driver is carrying.
Insurance Coverage Requirements in Utah
As in every other state, Utah requires car owners to carry minimum amounts of insurance on every vehicle they own. Known as 25/65/15, the breakdown is as follows:
- $25,000 per person for bodily injury
- $65,000 per accident when more than one person suffers bodily injury
- $15,000 per accident for property damage
While this is all the coverage you are required to purchase, it is highly recommended that you carry more insurance. If you cause an accident that seriously injures another person and his medical costs exceed $25,000, you could be held personally liable for additional costs.
No-Fault Laws Are Too Complex to Handle on Your Own
No-fault insurance laws are confusing by design. If you are injured in a serious accident, you need an experienced car accident attorney by your side. Call or email me now to schedule a free consultation.