whether their insured is legally responsible for the accident and to what extent.However, the insurance company will need to determine: There is no law that sets forth the information you must provide. However, if the investigation cannot be completed within that time, the company is allowed additional time to complete their investigation. The rules further state that the insurer has a 30-day timeframe to accept or deny your claim. Utah Insurance Rules ( R590-190, 191 and 192) require a company to provide a substantive response to a claimant within 15 days of a request for response. When will the insurance company contact me? However, the other driver’s insurance company might only offer to pay for 80% of your damages. The settlement can then be reduced by your percentage of fault.Īs an example, if the other driver is 80% at fault and you are 20% at fault, you can collect for your damages because you were less that 50% at fault. Under this law, you can collect damages only if you are less than 50% at fault for the accident. ![]() Utah has a “comparative negligence” law, which means that more than one person can be at fault in an accident. An insurance company may not refuse to pay your agreed-upon property damage claim because the bodily injury claim is still outstanding. In the case of property damage to your vehicle, in addition to your injuries, you and the insurance company may readily agree on the amount of damage, but you may not be ready to settle the bodily injury claim because of ongoing medical bills. Be sure you are ready to accept a final amount before you cash the check or sign the release. At the time you are ready to settle your bodily injury claim, the insurance company will require you to sign a “release for damages.” This means you agree that the amount offered is the only amount you will ever receive from the other driver and their insurance company. This could mean an extended period of time may pass before any settlement occurs should these injuries require extensive medical care. In most cases, an insurance company will not settle a claim for bodily injury liability until such time as you have completed all medical treatment(s) for your injuries. For each person injured, the first $3,000 in medical expenses will be covered by your policy under Personal Injury Protection before you can file a claim with the responsible insurer.Īfter you file a claim with the other driver’s insurance company, they will investigate the claim and offer a settlement if they determine their insured is legally responsible for your injuries or damages. Utah State Law requires that any person in your vehicle who incurs bodily injuries will first have to submit their claim to the insurance company covering your vehicle. Typically this is shown on your policy as 25/65/15. $65,000 for two or more persons for bodily injury liability. ![]() $25,000 per person for bodily injury liability.The minimum amounts drivers are required to carry are: Utah law requires motorists to carry bodily injury and property damage liability insurance to help pay for damages they cause in an auto accident. How much insurance must the other driver have? This fact sheet discusses your rights and duties in Utah when you file a third-party claim with another driver’s insurance company. In a third-party claim, you do not have a direct contract with the insurance company and their primary obligation is to their own policyholder. ![]() ![]() In a first-party claim, you have a direct contract that requires your insurance company to fulfill all the conditions stated in your policy. Insurance laws differ with regard to first and third party claims, so it is important that you understand your rights and duties in both cases. When these accidents occur, you have the option to file the claim with either your own insurance company, if you have the appropriate coverages (a “first-party” claim), or with the other driver’s insurance company (a “third-party” claim). After an auto accident, one of the first things you may have to do is file an insurance claim for damages.
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