Case Summary

Tragedy struck when twenty-six year-old Kody was driving home from work in Orem, Utah, on January 20, 2010. A man driving a Nissan Pathfinder ran a stop sign and struck Kody’s vehicle on the driver’s side. The force of the impact caused the airbags to deploy and totaled the small sedan. Kody sustained several neck and back injuries from the car crash. The Orem City police responded to the scene of the car accident and issued a citation to the driver of the Nissan Pathfinder for failing to stop at a stop sign and failure to yield to oncoming traffic.

Insurance Company Lets At-Fault Party off the Hook

According to the facts of this Utah car accident, it is clear who is at-fault and who should be held responsible for the car accident. However, in less than 48 hours, Progressive Insurance Company had an adjuster physically knock on Kody’s door. The Progressive Insurance adjuster was quite devious. He was “checking on their insured,” but he brought paperwork for Kody to release personal medical and employment information. The insurance adjusters told Kody that in order to cooperate with the investigation, Kody had to give a recorded statement.

When the Progressive adjuster offered to settle Kody’s claim for $500.00 by telling the young man that the car crash was non-reportable and a claim wouldn’t be worth pursuing, Kody knew he was being backed into a corner. The Progressive adjuster stated the insurance company was going above and beyond their services by offering money at all for this car accident. Kody was confused. He had been speaking to adjuster because his own automobile insurance company was Progressive Insurance Company. The Insurance adjuster was working both sides—the at-fault driver’s automobile insurance was also Progressive Insurance Company.

Would An Insurance Company Victimize their Own Insured?

Kody asked the Progressive Insurance adjuster whose side he was on—the gentleman that hit him or his. The adjuster didn’t lie but he was clearly conflicted when he stated he worked for Progressive and work for their insured’s best interests. The adjuster told Kody the money would go directly into his pocket. That PIP would take care of medical expenses (but PIP only covers $3,000 in medical bills and Kody's treatment will exceed that amount). Kody could feel the manipulation and fortunately asked the adjuster to leave. After seeing the television ad for the informative guidebook 7 Biggest Mistakes That Can Wreck Your Utah Accident Case, Kody called the Christensen Law Firm. In just a week, Ken Christensen has been able to straighten this matter out which allows Kody to focus on healing and recovery.

Unfortunately, Insurance companies are not looking out for the best interests of their insured. They are a for-profit company. Insurance Companies don’t maximize their profits if their adjusters explain all the benefits their insured has purchased in their automobile insurance policy. In this case, Progressive Insurance made it painfully obvious that their main priority was profit—not Kody’s medical treatment, property damage, and further damages and losses he incurred as a result of the car crash.

Number One Misconception in Utah Car Accident Cases:

My insurance company will ensure that my best interests are met including receiving a fair settlement and payment for lost wages, medical bills, pain and suffering and property damage.

Remember: Insurance Companies have no obligation to inform you of your rights.

Salt Lake personal injury lawyer Kenneth Christensen authored the book 7 Biggest Mistakes that Can Wreck Your Utah Accident Case in his endeavors to level the playing the field between accident victims and the insurance company. This book provides Utah residents with valuable information and corrects many of the myths associated with insurance claims and provides detailed information on the tactics insurance adjusters use to maximize their profits. If you would like to request your free copy of this book please call 1.801.506.0800 or visit us online at www.utahaccidentbook.com.

If you have additional questions or if you have been injured in a Utah accident, we can help you. At the Christensen Law Firm, we offer a FREE no obligation consultation with one of our Salt Lake City, Utah personal injury attorneys. We believe that knowledge gives victims power and protection. We invite you take control of your accident claim.