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How Does Car Insurance Work in Utah?

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Getting a fair settlement after a car accident requires understanding how your particular auto insurance policy works. Utah is considered a no-fault state for car insurance, which adds an extra step to getting full compensation after a wreck when compared to how things work in at-fault states.

Types of Auto Insurance in Utah

Utah requires all drivers to carry two types of auto insurance in their policy:

No-Fault – Also known as personal injury protection (PIP), no-fault insurance covers you and your family and apply regardless of who was at fault for causing the accident. The coverage limits will be determined by your individual policy.
Liability – This insurance pays for damage done to another vehicle and injuries sustained by other drivers if you were at fault for the accident.

Personal Injury Protection: The First Step

After being involved in a car accident, the no-fault provisions in your insurance policy will kick in. Your PIP should pay for your medical bills and a portion of your lost wages, up to the limits of your policy.

In theory, this is a good situation because your bills are paid right away. However, medical bills and lost wages can quickly surpass the no-fault limits on your policy. PIP also doesn’t cover a number of other damages you will experience, such as pain and suffering and lost enjoyment of life. This creates the need to also file a personal injury lawsuit so that you can recover full compensation.

Going Beyond PIP: Personal Injury Claims

In Utah, your medical expenses must exceed the threshold of $3,000 before you are legally allowed to file a personal injury claim seeking compensation beyond what your PIP will provide. Additionally, your injury must qualify as “serious,” which usually means meeting one of the following criteria:

Bone damage in the form of a break or fracture
Permanent disability
Permanent disfigurement

The Insurance Company Is Not on Your Side

Many accident victims learn this truth the hard way: the insurance company is not your advocate—not even your own. Their objective is to make as much money as possible, and they do so by limiting what they pay out in claims.

It is common for insurance companies to make lowball offers that pay less than what victims deserve. They might even try to blame you for the accident and claim that you were negligent, which could reduce the amount they’ll have to pay you.

You need a true advocate on your side to fight for your rights. Our firm can ensure that your rights are protected at all times. Instead of speaking directly with the insurance company, have them go through us for all negotiations. We can also assist you in completing any forms or paperwork and ensure that they are not asking questions designed to trap you.

Help from a Salt Lake City Car Crash Attorney

Craig Swapp & Associates can maximize the value of your injury claim by calculating all of your expenses, wage losses, and non-economic damages. Meet with an experienced car crash attorney during a free consultation by calling 1-800-404-9000 or by completing the form below.

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Client Reviews

“I was concerned with all the paperwork”

Before calling your firm I had 2 big worries. One was I didn’t want to do more paper work, and that fear was resolved when I had to do very little, but Craig Swapp and Assoc. did most of it, and when I did have to come in to sign papers they worked around the times I could do it. Worry 2 was I didn’t want people to think I was “sue happy” and that I was just out to get money. I just wanted my bills to be paid for that were from the accident, and that was resolved I think by Mr. Wes Mortenson and Theresa because they listened to what I had to say.

Amber W.,

Spokane, WA

"I would hire them in a second"

My biggest fear was not having all the expenses caused by the accident paid for in full. I was assured they would be taken care of but I admit I was skeptical. When we wrapped everything up (which happened quicker than I was originally told) I had extra money in my pocket. I honestly thought there was a catch but my attorney explained everything to me in detail. If I am ever in that position again I’ll be giving Craig Swapp a call.

Robert N.,

Spokane, WA

"I was afraid of the fees"

I was afraid of the fees I would have to pay a lawyer. I waited over a year before hiring your law firm. I finally reached out to your online help where they were able to help me understand the process and what would happen. In all honesty I absolutely loved working with the individuals that were involved in my case. They were genuine & heartfelt about my case. It felt as though they really cared and were concerned about me, not just as a client but as a person.

Lacey B.,

Salt Lake City, UT

"I was afraid that my issue was too small"

I was afraid that my issue was too small to be handled, and that it would just be rejected. Or that I’d end up having to pay for my medical expenses and any of your teams expenses. I would definitely answer yes, it was resolved! I wasn’t ever made out to feel like my little issue didn’t matter, and my expenses were paid for- just what I wanted/needed.

J. Rohas,

Caldwell, ID

"I am very pleased with the results"

My biggest fear was that it would be pointless to pursue legal action in my case. I felt like maybe I didn’t have much of a case. After speaking with Paul, I realize it was not of my own fault and that others can be held responsible for the pain and suffering I went through.

Dollie J.,

West Jordan, UT

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