Each state enforces its own laws surrounding car insurance and accident liability. The state in which you live will determine from which parties you recover compensation after a car accident.
At-Fault or No-Fault?
States may enforce “at-fault” insurance laws, “no-fault” insurance laws, or some combination of the two. We discuss the two main types of insurance laws below:
At-fault: At-fault insurance laws state that the driver liable for the accident (and their insurance company) must pay out damages to the other party involved in the crash.
No-fault: No-fault insurance laws state that drivers will recover compensation from their own insurance company, regardless of whether they caused the accident.
Utah is a no-fault insurance state so, in the event of an accident, you will recover compensation for medical bills and property damage from your own insurer.
Protecting Yourself After an Accident
It’s important to keep in mind, however, that insurance companies are notorious for denying accident claims. Their main objective is protecting their bottom line—not paying you the compensation you deserve.
As such, it’s in your best interest to take the following measures after an accident so your insurer has no reason to deny your claim:
Contact the police.
Seek medical treatment and retain all medical records.
Take photos of physical damage and injuries sustained at the scene.
Exchange contact and insurance information with the other driver.
Hire an experienced personal injury attorney.
It’s in your best interest to work with a qualified attorney who is knowledgeable in your state’s laws so you can get through the legal process as successfully as possible.
When you work with Pearson Butler, you’re taking a proactive approach to protecting your future.
Contact us today at (800) 265-2314 to schedule a free, no-obligation consultation.