Auto Accident Claims

There are a variety of claims you can make after a car accident. A claim will be based on what happens in a specific accident. For example, a claim will have multiple categories of claims if your car was damaged, or if you, your passengers, or anyone else is injured or hurt, and if you lose wages because you are unable to work as you recover from an accident.

When you make a claim, we encourage you to work with a lawyer who can represent you and help you to navigate the legal system. Claims also typically are related to specific types of coverage, the minimum and maximum amounts available in your policy, and how well you can prove you need the claim to be covered by your insurance, or the insurance of the other person in the accident.

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Understanding Common Terms in Auto Insurance Policies

Let’s start with common terms that are important to understand that you will find in a typical insurance policy. Each insurance policy varies so it is important that you look closely at your own policy and coverage.

Coverage:

This term relates to a variety of categories and areas where you have different options to cover your potential risk. Each policy will have multiple types of coverage that COVER different areas.

In most states, there are laws that require basic coverage in multiple areas. We encourage you to talk with your insurance agent about which types of coverage exist in your policy, and what the minimum coverage is. For example, with personal injury protection, a form of coverage, most people in Utah have a minimum of $3,000 per person which will help cover medical expenses if you or your passengers are injured and need medical attention.

Policy LImits

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Closed Case or Case Closed

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Coverage Maximum:

Within each category of coverage typically there are maximum limits on what your insurance will cover. For example, In Utah, if you have bodily injury and you need medical treatment, your insurance typically has a maximum coverage of $65,000 per person. If you have medical expenses that go over this amount then you will need to file a claim with an attorney and sue your insurance company in order for your expenses to be covered.

You can also choose to increase your converge amounts when you pick your insurance policy, this does cost more money, but if you are accident-prone, or concerned about medical expenses then it is worth paying for the coverage.

Split Liablity

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Utah Minimum

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Different Types of Coverage

Auto Insurance

provides property, liability and medical coverage

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Property Coverage

Pays for damage to or theft of your vehicle.

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Liability Coverage

Pays for the policyholder’s legal responsibility to others for bodily injury or property damage.

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Medical Coverage

Pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

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Personal Injury Protection for Medical Treatment Payments

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Gap Insurance

Pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

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Personal Injury Protection for Medical Treatment Payments

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Bodily Injury Liability

provides property, liability and medical coverage

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Property Damage Liability

Pays for damage to or theft of your vehicle.

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Collision

Pays for the policyholder’s legal responsibility to others for bodily injury or property damage.

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Comprehensive

Pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

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Uninsured and Under Insurance Motorist Coverage

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Is FULL Coverage Really Full Coverage?

Often times you hear many people say they asked for full coverage and they believe they have full coverage car insurance. But let’s be clear, full coverage on which component of your car insurance do you have.

In reality, there is no such things as full coverage.

What is full coverage referring too?

This has become an overused marketing term that is used by insurance companies and agents alike. Most of the time “full coverage” means you have basic coverage or insurance that includes all of the different types of coverage you need. This does not mean you have enough coverage or enough to fully cover your expenses if you are in an accident.

The term full coverage can be confused with the idea that since you have each type of coverage in your insurance policy, no matter what happens you are covered and the insurance company “has to take care of it all”. As you select insurance we encourage you to look at what you would need in case you were in an accident, you got injured, and others got injured.

As experts in this area, we have seen many individuals regret that they waived coverage or stuck with the minimum state requirements, which may or may not cover all of your expenses after a car accident.

Collision

Pays for the policyholder’s legal responsibility to others for bodily injury or property damage.

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Property Damage Liability

Pays for damage to or theft of your vehicle.

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What is Standard Utah Law for Car Insurance Coverage?

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Personal

$3000

Bodily

$25,000 with a maximum of $65,000 per Person

Property

Covers Damage to Other People’s Property up to $15,000

Requirements By Federal Law for Car Insurance Coverage?

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