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Key Takeaways
If you are in a car accident that is not your fault, you must take quick steps to protect your health and your money. First, ensure everyone is safe, then call law enforcement to obtain a police report. Even in a no-fault accident, you must report the event to your own insurance provider to use your personal injury protection benefits. ReshLaw Accident & Injury helps you navigate these rules to make sure the at-fault driver pays for your property damage and medical bills.
Acting quickly helps you meet the threshold for a serious injury claim and build a strong personal injury claim. Our team guides you through the process so you can focus on healing while we handle the insurance adjusters.
Even if a car accident is not your fault, Utah has special rules for how you get paid. These insurance laws are designed to help you get medical attention quickly without waiting for a judge. ReshLaw Accident & Injury helps you understand these complex liability laws so you can protect your future.
Under Utah Law, every driver must carry personal injury protection (PIP). This is a no-fault system, which means your own insurance company pays your first medical bills regardless of who caused the car crash. According to Utah Code § 31A-22-307, the minimum PIP coverage is $3,000, which covers medical expenses and some lost income. Using your PIP does not mean you are admitting fault for the roadway collision.
Utah uses a rule called comparative negligence to decide how much money you can recover. You can only collect money from the at-fault driver if you are less than 50% responsible for the auto accident. To sue the other driver for pain and suffering, you must also meet the serious injury threshold. This means your bodily injury must result in over $3,000 of medical costs, permanent impairment, or disfigurement under Utah Code § 31A-22-309.
Unlike medical costs, property damage is handled on a fault basis from the very start. The at-fault driver is responsible for the vehicle damage through their property damage liability insurance. If you have collision coverage, your insurance provider can pay for repairs, and they will later recover the cost from the at-fault driver. This ensures your car gets to a repair shop quickly so you can get back to your daily life.
Dealing with an insurance provider can be tricky even when the car crash was not your fault. You must be careful with what you say to protect your personal injury claim. ReshLaw Accident & Injury knows how to talk to insurance adjusters so they do not take advantage of you.
You must report the accident to your own company as soon as possible. Even if you were not the at-fault driver, your policy likely requires you to tell them about any roadway collision. This starts your personal injury protection (PIP) benefits, so your medical bills get paid quickly. Under Utah Law, your own company cannot raise your rates just because you filed a no-fault accident claim.
The other driver's claims adjuster will likely call you very soon after the auto accident. They may act friendly, but their goal is to save the insurance company money. You are not required to give a recorded statement to the other driver's insurance provider right away. It is best to stick to the basic facts, like the license plate number and the location of the car accident.
Keep a detailed log of every phone call, email, and letter you receive. Note the name of the claims adjuster and the date of every talk. If they offer you settlement offers over the phone, ask them to send the offer in writing. ReshLaw Accident & Injury suggests you never sign a release for damages until a lawyer looks at it. Keeping these records helps your auto accident injury lawyer prove that the company is not acting fairly.
To get the most money, you must prove every way the motor vehicle collision hurt you. You need a toolkit of evidence to show the Utah Department of Public Safety and the courts. ReshLaw Accident & Injury helps you gather the right papers to build a winning legal claim.
Getting a fair damage estimate for your car is a top priority. You should take photos of the scene and the vehicle damage before the car goes to a repair shop. The insurance company will perform a damage assessment to determine whether the car can be repaired or is totaled. Make sure they review the vehicle maintenance records to show your car was in good condition before the roadway collision.
Your medical records are the most important part of your bodily injury claim. You must seek medical attention right away to show that your injuries came from the car crash. Save every receipt for medical treatment and keep track of any days you missed work. This helps you recover your medical expenses and any money you lost because you were unable to work.
Not all losses show up on a bill; some are about how you feel. You can seek money for the physical pain and emotional distress caused by the auto accident. In Utah, you can only ask for these non-economic damages if you meet the serious injury threshold. We use photos, videos, and witness statements to show how the accident changed your daily life.
| Type of Loss | How to Prove It | Why It Matters |
| Property Damage | Photos of the scene and repair bids. | Gets your car back on the road. |
| Medical Costs | Medical records and bills. | Proves the injury severity. |
| Lost Wages | Pay stubs and a note from work. | Pays you back for missed work time. |
| Pain and Suffering | Personal journal and witness names. | Covers the invisible hurt. |
When you are in a car crash, what you do next matters as much as the accident itself. Insurance adjusters look for any reason to pay you less. ReshLaw Accident & Injury wants you to stay safe from these common traps that hurt your personal injury claim.
Never say "I’m sorry" or "I didn't see you" at the scene of a roadway collision. Even if you feel bad, an apology can be used as an admission of fault under Utah Law. Stick to the facts when talking to the police officer. Let the law enforcement team use skid marks and traffic signals to decide who caused the auto accident.
You must get a medical evaluation right away, even if you feel fine. Some bodily injury symptoms do not show up until days later. If you wait, the insurance company will claim your medical expenses are not related to the car accident. Follow every medical treatment plan your doctor gives you. If you skip appointments, it looks like you are not really in pain.
Avoid social media posts about your crash or your physical health. Insurance adjusters check your social media accounts to find photos of you active or traveling. They will use a picture of you smiling at a party to argue that your serious injury threshold has not been met. It is best to set your accounts to private and stop posting until your legal claim is over.
An insurance provider might offer you a check just days after the motor vehicle collision. These settlement offers are almost always too low. They want you to sign a release for damages before you know the full cost of your medical bills. ReshLaw Accident & Injury advises you to wait until you have finished your medical treatment before settling.
You do not have to handle a personal injury case on your own. Having an auto accident injury lawyer ensures that the at-fault driver and their insurer play by the rules. ReshLaw Accident & Injury provides the legal representation needed to level the playing field.
A personal injury attorney handles the heavy lifting of your case. We gather witness statements, request the crash report from the Utah Department of Public Safety, and talk to the claims adjuster. We understand Utah Code § 31A-22-307 and how to use it to get your PIP benefits. This allows you to focus on your medical assessment and getting your life back.
Most people worry about the cost of a lawyer, but we use a contingency fee system. This means you pay nothing up front. We only get paid if we win a settlement or a court award for you. This makes legal proceedings affordable for everyone, regardless of income.
You should definitely call a lawyer if your car crash involves an uninsured motorist or if the other side blames you. Lawyers at ReshLaw Accident & Injury are known for handling complex fault-based claims. You also need help if your property damage is high or if you have a permanent disability. We perform asset checks and look into policy stacking to find every dollar available for your recovery.
What is the no-fault law in Utah?
It means your own insurance pays for your initial medical bills through personal injury protection (PIP). It does not matter who caused the car crash.
Do I still have to report a no-fault accident?
Yes. Utah Code § 41-6a-401 says you must report the accident if there is injury or over $2,500 in property damage.
Can I sue the other driver if the accident wasn't my fault?
Yes, but only if you meet the serious injury threshold. This means you have over $3,000 in medical expenses or a permanent injury.
What if the at-fault driver has no insurance?
You can use your uninsured motorist coverage. This part of your own insurance policy pays for your bodily injury when the other driver cannot.
How long do I have to file a lawsuit in Utah?
The statute of limitations for the claim is usually four years. This is found in Utah Code Ann. § 78B-2-307. Do not wait too long to start.
Will my insurance rates go up for a no-fault claim?
Under Utah Law, a company cannot raise your rates for an accident that was not your fault. Your insurance provider must follow these insurance regulations.
A car accident can turn your life upside down in a second. But with the right steps, you can take control of your future again. ReshLaw Accident & Injury is dedicated to helping you move from victim to victor.
You don't have to guess what to do next. Whether you have questions about underinsured motorist coverage or property damage liability, we are here to help. We offer a free consultation to help you understand your legal considerations. We provide the legal representation you need to hold the at-fault driver accountable.
