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Almost everyone, at some point in their lives, will have an auto accident and need the services of a seasoned auto accident lawyer Salt Lake City UT victims rely on. In order to understand the various rights and responsibilities you have arising out of your accident you must have a basic understanding of your auto policy. Your policy will have separate coverages for: Liability, Property Damage, No-Fault Insurance, (commonly called personal injury protection) and Uninsured and Underinsured. An experienced auto accident lawyer Salt Lake City UT should walk you through all parts of your policy and see how to maximize your return.
Each auto accident lawyer Salt Lake City UT residents recommend at Rasmussen & Miner have extensive knowledge in the legalities of auto insurance requirements and coverage in the state of Utah. We understand how insurance – or lack of it – can affect the ability of an auto accident victim to collect financial compensation for the damages they have suffered from the crash. If you or a loved one has been injured in a crash and you would like to talk to an auto accident lawyer in Salt Lake City UT, call our office today. In the meantime, here is an overview of Utah auto insurance:
The liability portion of your policy covers you for the injuries you may inflict on other parties. Many times, a driver may injure members of his own family who are innocent passengers in a vehicle he is operating. A knowledgeable auto accident lawyer in Salt Lake City UT would explain that it is entirely appropriate for a driver to facilitate claims for innocent passengers of his vehicle.
I often hear people complain that their attorney took no interest in their property damage claim. A thorough auto accident lawyer Salt Lake City UT residents respect can help assist his client with their damage claim and should have property damage experts to assure fair compensation. Your attorney should also get detailed pictures and assessments of the damage to your auto to document the force and violence of the collision.
NO FAULT INSURANCE (PERSONAL INJURY PROTECTION)
Utah is a No-Fault State. That doesn’t mean that fault is not important, but that there are certain “thresholds” which must be met before you may bring an action. A helpful auto accident lawyer Salt Lake City UT has to offer may explain that you must have at least $3,000.00 in medical expenses related to the accident, or a permanent injury or disfigurement before you can bring a claim against an at-fault driver. In discussing contingency fees with an attorney make sure that he does not include no-fault benefits within his contingency fee. No-fault benefits are yours irrespective of fault and you would receive them irrespective of an attorney’s efforts.
UNINSURED AND UNDERINSURED COVERAGES
An experienced auto accident lawyer Salt Lake City UT will always advise you to get generous uninsured and underinsured coverages. Why? The most likely people to drive irresponsibly and cause serious injury are the very same drivers with no or minimal coverage. When you purchase this coverage, you are essentially insuring yourself against all uninsured and underinsured drivers. When meeting with your agent and attempting to lower the price of your coverage it is possible to waive this type of insurance.
NEVER WAIVE THIS COVERAGE!
This coverage is the only protection you may have against all those drivers operating motor vehicles without licenses…much less insurance. A knowledgeable auto accident lawyer Salt Lake City UT trusts will further inform you that this insurance is what is known as “first party coverage” and that your own insurance company has an enhanced duty to treat you fairly in arriving at a just settlement.
WHAT HAPPENS IF I AM IN AN ACCIDENT?
If you have been injured in an auto accident caused by another party or parties, auto accident lawyer Salt Lake City UT locals call can explain to you what types of financial damages you may be entitled to receive because of those injuries. Each accident case has its own unique set of circumstances which may apply, but, in general, the most common types of damages victims are compensated for include:
- Any and all past, present, and future medical bills. This can include emergency transportation, emergency room treatment, hospitalizations, surgeries, physician visits, therapy (physical, occupational, and mental health), both prescription and over-the-counter medications, medical equipment and devices (crutches, wheelchairs, shower benches, etc.). An auto accident lawyer Salt Lake City UT residents depend on can also let you know if you may be entitled to damages for any alterations needed at your home to accommodate your injuries, such as a wheelchair ramp or widened doorways.
- If your injuries left you unable to work, you are also entitled to receive financial compensation for the lost wages you sustained. If your injuries have left you unable to go back to the work you did before the accident, you may also be entitled to received compensation for that income lost, as well.
- Victims of car accidents can also be financially compensated for the pain and suffering their injuries have caused them and mental or emotional anguish. If the injuries have left them unable to enjoy different activities they did before the accident, or have substantially impacted their lives in other ways, Utah tort law states they should be compensated for those losses, too.
LET AN AUTO ACCIDENT LAWYER SALT LAKE CITY UT CLIENTS CALL FIGHT FOR YOU
If you would like to speak with a compassionate Salt Lake City auto accident lawyer, contact the law firm of Rasmussen & Miner today. Our lawyers have well-earned reputations as skilled negotiators, but it is also well known that we will not hesitate to litigate a personal injury case if the insurance company and other parties involved fail to offer a fair and just settlement for our client.
Our law firm’s phones have 24-hour coverage, seven days per week. Our attorneys are available for special appointment consultations during weekend and evening hours and can meet with you at your home or hospital if you are physically unable to come to our office.
Call a seasoned auto accident lawyer Salt Lake City UT provides today at (801) 363-8500 for your free case evaluation.