Being injured in a truck accident can be devastating. If you plan to seek compensation from the at-fault party after the crash, it is critical to lay the groundwork for your claim right away. The longer you wait, the longer it could take for you to recover the money you need for your medical bills and other expenses.
At Swenson & Shelley, we care about your well-being and swift access to justice. Here’s what you need to know about truck accident claims in Utah.
Check your auto insurance policy for any notification requirements after an accident. Many insurers require filing “promptly” or “within a reasonable amount of time” after a crash, while others may have more specific deadlines.
However, there is a timeframe you must follow to file a truck accident lawsuit. In Utah, the statute of limitations gives you four years from the date of the accident to file a suit. Missing the deadline could bar you from receiving compensation forever, so talk to an attorney immediately to protect your rights.
State law requires every driver to purchase personal injury protection (PIP) insurance with a minimum of $3,000 in coverage. You must file a claim with your PIP insurer before demanding compensation from the truck driver, trucking company, or other liable parties.
You can file a claim against the at-fault driver’s liability insurance policy if your injury meets Utah’s serious injury threshold. That means your injury results in one or more of these outcomes:
Motor carriers must purchase liability coverage for every commercial motor vehicle in their fleet. If the truck driver or their employer is at fault for the collision and you meet the injury threshold requirement, you can file a claim with the motor carrier’s insurance provider.
The insurance company might take a while before paying your claim, especially if they don’t want to accept liability for the accident. Insurers often look for reasons to deny claims to save money and protect their profits.
Truck accident cases are complex. Even if liability is clear, investigating the crash and determining the amount of a settlement offer takes time. You don’t want to rush it. Because truck accidents often result in serious injuries, you want to ensure that you get a fair sum that accounts for all your losses.
The most common factors that affect the timing of an insurance payout include:
You don’t have to go through the truck accident claims process alone. The lawyers at Swenson & Shelley can help hold the responsible party accountable for your injury and demand the compensation you deserve.
Call or contact us online if you suffered injuries in a Utah truck accident due to someone else’s negligence. The first consultation is free.