Three Quick Tips
• Drivers and passengers that sustain injury in a car accident will each have a separate claim against the responsible party.
• Victims of Utah car accidents can file a personal injury claim against the driver of the vehicle they were a passenger when that motorist was the at-fault party.
• It’s common myth that if the driver of the vehicle was uninsured, there are no options or protections for the injured passengers.
Who Pays My Medical Bills?
According to Utah No-Fault Law, the primary insurance company for passengers who sustain personal injuries in a car accident is the insurance company of the driver/owner of the vehicle involved in the accident. This insurance company will provide the initial medical pay through Personal Injury Protection (PIP) benefits purchased by the driver. In Utah, the minimum amount of PIP coverage motorists must buy is $3,000 per person. While this amount is rarely adequate to pay all medical bills associated with treatment for victims of auto accidents, it does help. Unless the driver of the vehicle you were a passenger of did not purchase insurance, you and that individual should each have at least $3,000 for treatment costs.
Multiple Insurance Benefits May Be Available to You
What most Utah residents are unaware of is that there are several types of insurance policies and benefits that can be applied simultaneously for specific types of motor vehicle accidents that involve injured passengers. However, with all insurance policies, there is fine print that can be difficult to understand. Filing paperwork incorrectly or providing certain types of information in recorded statements can negate your right to access these benefits. We highly recommend speaking to an attorney before signing or agreeing to anything.
Also, depending on the type of accident, the passenger who was a victim of a car collision may be entitled to multiple insurance claims and settlements. Again, the legalities and issues surrounding these areas are complex and best navigated by an personal injury attorney who has significant experiences with working with numerous insurance claims at one time and extensive knowledge of Utah law.
Mary M., one of our clients, was involved a passenger in a vehicle that was t-boned during a snowstorm a few years ago. Unfortunately, Mary sustained serious injury that required intensive surgery that required her to miss months of work. In his immediate investigation, Attorney Ken Christensen discovered that Mary qualified for benefits under four different auto insurance policies, including her own insurance coverage. By acting quickly and efficiently, Mr. Christensen successfully constructed a clear plan of how each policy would provide maximum benefits without “stacking” or breaking any state law.
With mounting medical bills and not being able to work, Mary faced debt; however, due to the ability Mr. Christensen demonstrated in collaborating insurances’ med pay, loss of services etc. the potential financial damage was thwarted. In the end, Mary received substantial settlements from each insurance company and has been able to fully recover from her injuries.
Seven Biggest Mistakes that Can Wreck Your Utah Accident Case
Attorney Ken Christensen wrote the book on how to handle the Utah Accident Case. His expertise and knowledge of Utah accident cases makes this book a valuable resource. This book corrects the many of the myths associated with insurance claims. Most importantly this book translates the complicated legal and insurance jargon into plain English, providing readers with the opportunity to better understand their case and make informed decisions. Visit us online at www.utahaccidentbooks.com or call us at 801.506.0800 to obtain your FREE copy of 7 Biggest Mistakes that Can Wreck Your Accident Case today.
Importance of Hiring an Experienced Utah Personal Injury Attorney
At The Christensen Law Firm, PLLC, we have extensive experience in representing victims of Utah auto accidents involving uninsured motorists. Being involved in a Salt Lake City car accident can result in serious injury and trauma and the financial burdens involved are very real. Our attorneys can help you in negotiations with insurance companies concerning compensation for medical and auto repair costs that you have paid. If you or a loved one has suffered such an injury, you may contact us online or call us at 801-506-0800 (Main number), 801-224-2999 (Utah County) or 801-294-9500 (Davis County) to set up a FREE consultation to discuss your legal rights.