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If the incident is taking place in a city or another county please contact the Police Department or Sheriff's Office responsible for that area to ensure the incident is reported. If this is TIME SENSITIVE please call Utah Valley Dispatch at 801-794-3970. If this is an EMERGENCY please call 911.
Call the Police It is in your favor to obtain the police report from the collision. It will ultimately help your insurance provider process your accident claim. If you call a lawyer for any reason following a car crash, you will likely need it then as well.
Call Your Insurance Company Uninsured or Underinsured Motorist Coverage compensates you for physical injury and, depending on your coverage, property damage when the person who caused the car accident doesn't have insurance at all or doesn't have enough insurance to compensate you for your injuries.
The law in Utah is pretty simple. You need to file a vehicle accident report in the event that anyone is injured, killed, or that you feel property damage is over $1,500 in value. WIth most of today's vehicles, this means that even a fender bender needs to be reported.
Utah is a ?No-Fault? state. This means that, no matter whose fault an accident may have been, injured parties seek payment for the first $3,000 of medical expenses from their own insurance carrier. This is dictated by a statute sometimes referred to as the ?PIP Statute? which stands for ?Personal Injury Protection?.
Fault is determined based on negligence law. Whichever party was deemed to be negligent in the eyes of the law will be found at fault. Utah is a comparative negligence state. That means that no one party has to be labeled as 100% at fault.
Utah is a no-fault state in regard to auto accidents. This doesn't mean that fault is not important. It means that regardless of who was at fault, your own insurance will pay your first $3,000 in medical bills. That is a threshold amount.