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I understand. You feel like you did everything right. You drove as safely as you could. You carry auto insurance. You pay your premiums on time. But now you’ve been in an accident, and the insurance company is trying to deny your claim. You haven’t received any compensation for damages or medical bills and you are frustrated. Always know that you can talk to an attorney day or night at The Advocates, and consultations are always free. Also, know that it’s not you. It’s the system. You can do everything right, and still not receive full, prompt compensation from your insurance company.
There are two main reasons for this PIP and policy limits. Utah is a no-fault insurance state. That means that you cannot recover damages until you exhaust the personal injury protection limit. Personal injury protection (PIP) is a portion of your insurance policy that covers accident related medical bills no matter who is at fault for the accident.
In Utah, the minimum PIP coverage amount is $3,000.00. No litigation and no negotiation are going to happen if your medical expenses do not exceed this amount. The solution for you is to write your insurance company requesting compensation under your PIP benefits. Your insurance company may want documentation. This is normal, and when it is received you should be compensated.
If you are in a situation where your injuries exceed $3,000.00, and you are still not being compensated, you may have fallen victim to policy limits. Even though you called your insurance agent and asked for “full coverage” insurance, there is no insurance plan that will cover 100 percent of an accident no matter how much the damages cost. Each insurance policy, yours and other party’s, has a limit. If the money you need exceeds the limits of the policy you may be out of luck.
It is always a good idea to consult an attorney about proper compensation. Perhaps you are just not communicating well with your insurance company. No attorney can turn into your personal injury fairy godmother, but a good personal injury attorney will know all the strategies you can use to get the best settlement possible.
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