When it comes to automobile accidents, Utah is a no-fault-based state. This means that a car accident victim may need to file their claim for losses with their own insurance company. However, a victim who suffers serious to severe injuries may also be able to file a claim against the at-fault driver’s insurance company, depending on the details of the case.
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Salt Lake City UT auto accident lawyer can help you decide which option or options is the best for you and advocate for you through the entire process:
· File a claim with his or her own insurance company, which will then pursue a subrogation claim against the at-fault party’s insurance company
· Pursue a claim directly with the at-fault party’s insurance company
· File a personal injury lawsuit against the at-fault driver
How do I start a car accident insurance claim?
Usually, automobile accidents involve claims with insurance companies. After a claim is filed, a claims adjuster will be assigned to the case. The adjuster may contact the insured person to obtain more information about the accident. In addition, the adjuster may do the following:
· Request a copy of the police report
· Contact the other driver involved in the accident
· Contact any known witnesses to the accident
· Inspect the car for damages (this may include the adjuster taking photographs of the vehicle)
· Contact healthcare providers for information in relation to any injury expenses.
When a car accident claim involves injuries and not just vehicle damage, resolving the insurance claims becomes more complex. It will be necessary for the claims adjuster to receive evidence of all medical bills. This may require the claimant to sign a waiver granting the insurance company access to his or her medical records. Further, personal injury can add significant costs on top of the cost to repair the vehicle. This added cost may make coming to an agreement on who was at fault and for what amounts much more difficult and time-consuming.
Making claims against insurance companies can be difficult and frustrating. Victims should never speak with an insurance adjuster or sign any documents without first consulting with a Salt Lake City UT auto accident lawyer. Call
Rasmussen & Miner to schedule a free case evaluation and find out what legal options are available to you.
