Jul 26 2022

How a Utah Car Accident Lawyer Can Help With Your Injury Claim

After being seriously injured in a motor vehicle crash, hiring a Utah car accident lawyer may not be on your mind at all. The car wreck itself was likely quite startling, and since then, your life has likely turned upside down. You may be both in need of ongoing medical treatment and unable to work, and taking part in activities you once loved may no longer be possible.

However overwhelmed you’re feeling, you still need to pay the bills – but as you’ll soon learn, trying to put your life back together while recovering from your injuries isn’t easy.

In theory, anyone who is injured in an accident caused by someone else should get have a simple way to get compensated for their losses. In reality, Utah personal injury claims are surprisingly complicated, and you may need help from an experienced car accident lawyer to get every dollar you deserve. Here are a few of the ways the right car wreck attorney can guide your injury claim toward the most favorable outcome.

auto accident lawyer Utah

Conducting an Investigation of the Car Accident

Finding out exactly what happened, how it happened and who was at fault is crucial for any Utah injury claim.

Your recollection of the events matters, of course, but after being in a crash with another motor vehicle, your memory may be a little fuzzy. Many factors and multiple parties may be involved, and you’ll need to paint a full picture of what caused the car wreck and what losses have been incurred as a result of the incident.

To accomplish that, you need information. A knowledgeable and experienced car accident lawyer will launch a thorough investigation, leaving no stone unturned as they look to get to the bottom of what led to your motor vehicle crash.

Gathering Evidence to Support Your Injury Claim

Knowing what happened is one thing, but proof is essential for a favorable outcome to a Utah personal injury claim.

Collecting the necessary evidence is linked to the investigation process – and as with other legal matters, injury claims arising from car wrecks often involve many different types of evidence. Medical records, police reports, photographs and witness statements are among the forms of proof that can play a critical role in case outcome.

A seasoned personal injury lawyer can help you by gathering proof to support your injury claim – and by using the collected evidence to craft a sound legal strategy. As such, hiring an attorney means putting your best foot forward as you fight for compensation.

Negotiating On Your Behalf with Other Parties

Personal injury claims related to Utah car wrecks frequently involve pushy insurance adjusters and other difficult defendants.

Communicating and negotiating with all of the parties involved can be a major burden when you’re trying to recover from serious injuries. And, if you happen to say the wrong thing to the wrong person, you could inadvertently undermine the value of your claim. Worse, your claim for compensation could be completely denied.

With the right Utah car accident lawyer on your side, you won’t have to worry about any of that happening. If you get a call from an insurance adjuster or another defendant, you can simply tell them to contact your attorney.

Fighting for the Maximum in Monetary Compensation

Insurance adjusters have one goal — to minimize the amount of injury claim compensation or, better yet, eliminate it entirely.

For this reason, many insurance company representatives engage in underhanded tactics. When negotiating a fair settlement proves to be impossible, injured car wreck victims have one course of action – filing a lawsuit. Utah personal injury claims often settle after this, but there’s always the possibility of a case going to trial.

In any event, having a skilled and experienced Utah car accident lawyer can make a major difference in terms of case outcome. As research shows, car wreck victims who have attorneys receive much more money than those who represent themselves.

Get the Help You Need at William R. Rawlings & Associates

If someone’s reckless or careless behind-the-wheel conduct has caused you to be injured, the experienced car accident lawyers at William R. Rawlings & Associates in Draper, Utah, is ready to take the lead with your injury claim.

Our car accident lawyers have been helping others in your position for more than a decade, and you can rely on us to act as both your trusted legal advisor and a dedicated advocate — and we’ll make every effort to ensure you’re fairly compensated for your injuries and losses. Our legal team handles injury claims on a contingency fee basis, so you won’t have to pay us a fee unless and until we win your case.

At William R. Rawlings & Associates, we offer free, no-obligation consultations to injured car wreck victims throughout northern Utah. To meet with a highly skilled and experienced Utah car accident lawyer, contact our Draper office today.

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Jul 01 2022

How Auto Accident Lawyers Recommend Talking to Insurance Adjusters

If you’ve suffered significant injuries in a car wreck, hiring an experienced Utah auto accident lawyer is in your best interests. However, with everything on your plate at the moment, you may not have had a chance to contact a local law firm yet – and you could get a call from the insurance company of the driver at fault for the crash at any point.

So, what should you do if that happens? What do auto accident lawyers in Utah say is the right way to respond? Read on for advice on how to approach your first post-accident phone call from an insurance adjuster.

car accident lawyer

Proceed With Caution

The conversation might start off on a friendly note, and the adjuster you speak with may even seem empathetic. Don’t be fooled – this person is not on your side.

For the insurance company of the other driver involved in your car wreck, the number one goal is to figure out a way to pay you as little as possible or, better yet, nothing at all. Insurance adjusters will try to trick you, and anything you say could end up harming your case. Remember this, and refrain from getting chatty.

Stay Calm and Be Polite

Auto accident lawyers in Utah say that the best way to handle a call from an insurance adjuster is to be courteous and speak in a professional manner.

You may be pretty upset about the car wreck and your injuries, but snapping at the adjuster won’t do any good – and that approach could be detrimental to your case, as your words could end up being used against you. Keep a cool head, and you’ll be better able to keep control over the conversation.

Don’t Agree to Be Recorded

If the insurance adjuster asks whether it’s ok to record the conversation – and they very likely will — politely decline, saying that you aren’t comfortable being recorded.

They may make the request in a way that makes it seem like giving a recorded statement is the standard procedure. Or, the adjuster might use phrasing that makes you feel as if you’re obligated to comply. Neither is true, and auto accident lawyers caution that a recorded statement could be used to undermine your claim.

Take Notes During the Talk

The auto accident attorney you hire will want to know about your conversation with the insurance adjuster, so be sure to write down all of the key information as you talk.

Start by jotting down the name, address and phone number of the adjuster along with the name of the insurance company they’re with. As the conversation progresses, take notes on the information you provide and any you receive. Write down any requests that were made, too, and after the call ends, make sure your notes are complete.

Provide Only Basic Facts

The insurance adjuster will be trying to get you to talk about the auto accident, but attorneys say to politely refuse to provide anything but the most basic information.

Telling the adjuster your full name and address is fine, as is telling them the name of your employer. You can also disclose the vehicles involved and the identities of any witnesses. If pressed for details, auto accident lawyers suggest saying that your investigation is ongoing and you aren’t prepared to discuss more at this time.

Don’t Discuss Your Injuries

You can expect questions about your injuries, but you don’t need to provide any health information – not even the name of your doctor or where you’re getting medical care.

Keeping the nature and extent of your injuries to yourself is the best course of action. You might become aware of a new injury related to the car wreck, or your injuries could worsen as time goes on. Anything you say now might be inaccurate, so auto accident lawyers say to tell the adjuster you’re still in treatment and waiting for more information.

End the Conversation Firmly

When you don’t give the insurance adjuster much to work with, they’ll want to speak with you again, but ending the talk in a resolute manner can discourage repeat calls.

Auto accident lawyers in Utah recommend telling the adjuster that contacting you is unnecessary, as you have no other information to provide. Make it perfectly clear that you prefer limited contact in the future – and that you will never agree to settle without first discussing the matter with an experienced attorney.

Call an Auto Accident Attorney

Hiring a skilled auto accident lawyer is the best way to protect yourself after being seriously injured in a car wreck – and William R. Rawlings & Associates is here to meet your needs.

Insurance adjusters are tasked with the job of denying as many auto accident claims as they can. When they can’t deny a claim, their objective is to negotiate the lowest possible settlement. This is the type of work they do every day, and you need an attorney with just as much experience. You’ll find that at William R. Rawlings & Associates.

To schedule a free, no-obligation consultation with a highly qualified and experienced auto accident lawyer in Utah, contact us today.

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Jun 28 2022

Good Reasons to Call a Utah Car Accident Attorney

Most people in Utah never think about talking to a car accident attorney until they need one. What’s more, many accident victims don’t know if they even need a lawyer.

If you’ve been injured in a fender bender that wasn’t your fault, should you make a point of consulting with a local legal professional? What can a lawyer do to help with the situation?

The truth is, a car accident attorney can play a vital role in the fight for fair compensation, protecting your rights and ensuring you get every dollar you deserve. Here, we discuss the primary reasons to hire an experienced Utah lawyer after suffering injuries in a motor vehicle collision.

Utah car accident attorney

Dealing With the Insurance Company

Insurance adjusters aren’t on the side of car accident victims. The companies they represent want to make a profit, so adjusters are tasked with the goal of reducing the amount of money that must be paid out – and some even find ways to deny completely valid claims.

Turning to an experienced Utah car accident attorney can be to your benefit, as a lawyer will:

  • Take over all communications with the insurance company
  • Handle all of the details and legalities that apply to your case
  • Represent your interests and defend your right to compensation
  • Negotiate a fair settlement or, if need be, take the matter to court

Make sure that the legal professional you choose specializes in accident claims. Every case is different, but experience matters when it comes to insurance negotiation. With a seasoned car accident attorney on your side, you stand a much stronger chance of reaching a favorable case outcome.

Establishing Your Right to Compensation

Anyone who is injured as a result of another person’s actions has the right to seek compensation. But because the other parties involved in a motor vehicle collision may try to shift the blame, proving who is liable for your injuries and losses may be rather challenging.

An experienced car accident attorney can help. The right legal professional will build a solid case by:

  • Obtaining the accident report and interviewing witnesses
  • Going through the evidence to determine exactly what happened
  • Gathering your medical records from each of your health care providers
  • Consulting with specialized experts to prove the seriousness of your claim

Collecting all of the available evidence and working with the right specialists – which may include medical and mental health experts, financial specialists and experts in accident reconstruction – is advantageous as far as case outcome is concerned. An accomplished car accident attorney will know what’s needed to forge a strong claim.

Meeting All of the Legal Deadlines

When you’re injured in a fender bender, your priority should be on getting better. But the reality is, if you intend to seek compensation from the at-fault party, you don’t have all the time in the world to do so. The accident claim process may not move all that quickly, and there are several deadlines you’ll need to meet.

Reach out to a qualified Utah car accident lawyer, and you won’t have to worry about missing the following:

  • The deadline to notify your insurance provider about the collision
  • The statute of limitations for injury claims, which is four years in Utah
  • The three-year time limit for making a property damage claim

Failing to meet all of the legal deadlines can be a major problem, as it could mean you no longer have the right to pursue compensation. And while we wish you had the option of waiting until you’re ready to face the situation, you’re better off calling a car accident attorney as soon as possible.

Making Your Life Easier After the Accident

Recovering from a motor vehicle collision is physically, mentally and emotionally stressful. With all that’s going on in your life, you don’t need the added headaches and hassles that come with an accident claim. Your focus should be on getting well, gaining strength and figuring out how to move forward.

With an experienced car accident attorney, you’ll be in a better position to make progress on the road to recovery because:

  • You won’t have to worry about pressure from insurance adjusters
  • You can prioritize self-care and get as much rest as you need
  • You’ll have more time to get the necessary medical treatment
  • You’ll know that a legal expert is fighting to protect your rights

In the wake of a fender bender, you really don’t need to be dealing with the difficulties of an accident claim on your own. Turning the matter over to a skilled and knowledgeable legal professional is in your best interests – both in terms of your recovery and the compensation you receive for your injuries and losses.

If you were recently injured in a motor vehicle collision in Utah, contact William R. Rawlings and Associates. Our legal team has handled thousands of accident claims, and we know how to help our clients get the maximum amount of monetary compensation for their losses. Plus, we never charge legal fees unless we’re successful in negotiating or litigating a claim.

For a free, no-obligation consultation with an experienced Utah car accident attorney, call William R. Rawlings and Associates today.

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Jan 07 2022

All About the Utah Car Accident Claims Process

Were you involved in a Utah car accident? You may be wondering what you’re in for in terms of resolving the situation, and you probably have quite a few questions.

Meeting with an experienced personal injury lawyer – like the team at William R. Rawlings & Associates – is the easiest and best way to get the answers you need. However, the following article should provide you with some useful information on the Utah car accident claims process.

Utah car accident claim

Do You Need to Report a Utah Car Accident?

Utah law mandates the filing of a vehicle accident report in the event anyone was injured or the property damage sustained totals over $1,500. Most car collisions fit one or both of those descriptions – and if that’s the case for your accident, you must notify the nearest law enforcement agency and remain at the scene until an officer responds.

If you suffered injuries and took an ambulance to the hospital before the police arrived, file a report as soon as possible, while your memory of the car accident is still fresh. Failing to report the collision is a misdemeanor in Utah, and the consequences could be up to 90 days in jail as well as a fine of up to $750 or the equivalent in compensatory service.

In addition, your insurance company likely requires that you inform them when a car accident occurs. When you make the call to report the collision, be brief — providing the date, time and location of the accident is fine, as is sharing the identities of any witnesses and the other motorists involved. You don’t have to tell the adjuster anything else, and you certainly don’t want to consent to give a recorded statement without first talking to a personal injury lawyer.

Understanding Utah’s No-Fault Liability System

Utah is a no-fault insurance state, which means that your own insurance policy will cover the damages arising from a car accident – up to a limit – regardless of who is to blame for the collision.

To pursue a personal injury claim against the motorist responsible for your car accident, you must have incurred more than $3,000 in medical bills, lost income and other economic damages. Or, you must have suffered dismemberment, disfigurement, permanent disability or another qualifying serious injury.

If your case meets either or both criteria, you’re not limited to filing a car accident claim under your own insurance policy – you’ll be able to hold the at-fault party accountable. The door will be open to seek out compensation for all of your losses, including emotional distress, pain and suffering, loss of enjoyment and other non-economic damages.

Should You Hire a Utah Personal Injury Lawyer?

Under Utah law, car accident victims are not required to have legal representation to pursue compensation. That said, many choose to hire a personal injury lawyer – and you may want to go that route, too, putting your focus on recovering and letting a legal expert handle your car accident claim.

Hiring an experienced Utah personal injury lawyer won’t guarantee a successful case outcome, but doing so greatly increases your chances of obtaining every dollar you deserve for your injuries and losses. An attorney can investigate the collision, collect evidence to prove the at-fault motorist’s negligence and handle negotiations with insurance adjusters on your behalf. All of this can go a long way toward ensuring the best possible result.

Consider, too, that comparative negligence laws apply — and if you are partially to blame for the collision, you’ll see your compensation reduced by your degree of fault. Worse, if another motorist succeeds in proving that you were more than halfway responsible for the car accident, you’ll be barred from recovering damages. A personal injury lawyer can use proven strategies to keep that from happening, fighting for the maximum in compensation.

How Does the Car Accident Claims Process Work?

In Utah, most car accident claims are settled out of court. Getting to that point can be a challenge, however, as the settlement process involves quite a bit of work – and you can expect the insurance adjusters involved to make every effort to devalue your claim or even find a basis for a denial.

As for how your claim will proceed, investigation is the first step. Both sides gather evidence to demonstrate what happened, and since the insurance company will have a team of experts in their corner, you may need the expertise of a personal injury lawyer to level the playing field.

Once you or your personal injury lawyer completes the investigation and the scope of treatment your injuries requires becomes known, it’s time to craft a demand letter to the insurance company. This letter is intended to share the facts and circumstances surrounding your car accident claim, including the costs you have incurred as a result of the collision.

Sending the demand letter is like sending a signal for negotiations to begin. You don’t want to settle for less than what you deserve, but the insurance company may put on the pressure. If they know you’re willing to take the matter to court, they’ll be more likely to offer a fair settlement – and if you have a personal injury lawyer, they’ll know you aren’t going to fold.

Talk to an Experienced Utah Personal Injury Lawyer Today

Moving through the Utah car accident claims process and securing the maximum in compensation is no easy task, particularly when you’re seriously injured. The legal team at William R. Rawlings & Associates can protect your rights, negotiating a favorable settlement or, if necessary, fighting it out in court.

For expert legal assistance with your Utah car accident claim, contact our office and schedule a personal injury lawyer consultation today.

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Apr 09 2021

Car Accident Attorney Tips on How to Talk to an Insurance Adjuster

Hiring a car accident attorney after suffering injuries in a crash can be a smart move, but with everything going on, you might not get a chance to contact a law firm right away. Insurance adjusters tend to act quickly, however, so you may get a phone call quite soon.

If that happens, how should you handle the conversation?

First off, remember that the adjuster works for the insurance company – which means they don’t have your best interests in mind. Anything you say could affect the value of your personal injury claim, so you’ll need to be careful. Here, the experienced car accident attorneys at William R. Rawlings & Associates share their top tips for dealing with insurance adjusters.

Do you need a lawyer for a car accident claim

Be Polite and Professional

You may upset about the car accident and the injuries you’ve suffered, but lashing out at the insurance company’s representative won’t benefit your personal injury claim in any way. Better to remain calm and courteous, as keeping your cool can help you maintain control of the conversation.

Provide Limited Information

The insurance adjuster you speak with will likely try to get you to give a statement about the accident. Politely refuse to discuss anything about the car crash, other than basic facts regarding where and when it occurred and the identities of any witnesses. If the representative pushes you to answer, simply say that your investigation is ongoing and that you’ll share more details at the appropriate time.

Don’t Discuss Your Injuries

You can expect the insurance adjuster to inquire about the nature and severity of the injuries you sustained in the accident, but refrain from revealing any information about your medical condition. It may be days or even weeks before you know the full extent of your injuries, and a premature statement that isn’t accurate could reduce the value of your personal injury claim.

Take Notes While You Talk

Your car accident attorney will want to know about your phone call from the insurance adjuster. Jot down the information you provide and any you receive during the course of the conversation, and take note of any requests made. Before the call ends, make sure to get the name and telephone number of the person you’re speaking with and the insurance company they represent.

At William R. Rawlings & Associates, we provide legal representation to car accident victims in Utah, Idaho and California. And since we’re former insurance adjusters and insurance company attorneys, we know their tactics – and how to gain the advantage in negotiations.

Turn your personal injury claim over to our law firm, and we’ll make every effort to help you get the maximum in financial compensation. To schedule a free, no-obligation consultation with an experienced car accident attorney, contact William R. Rawlings & Associates today.

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Apr 02 2021

A Look at Loss of Consortium Damages in Personal Injury Claims

Personal injury claims seek to reimburse victims for their losses – and in many cases, the person injured in an accident isn’t the only one able to pursue financial compensation.

Serious injuries can have a permanent impact on personal relationships. As such, most jurisdictions allow spouses of accident victims to recover loss of consortium damages. In some states, parents or other close family members can also receive compensation. Below, you’ll find the basics on consortium damages in personal injury claims.

Do I have a loss of consortium claim

What are Consortium Damages?

The purpose of consortium damages in a personal injury case is to provide compensation for losses suffered on the part of the accident victim’s spouse or family. Loss of consortium claims can include any or all of the following:

  • Loss of services, or the reasonable value of household chores and childcare formerly handled by the injured victim
  • Loss of support, which refers to the deprivation of companionship, comfort, guidance and care as a result of the accident
  • Loss of quality in the relationship, involving the victim’s inability to provide the same level of love and affection or their sexual constraints

Proving Loss of Consortium

First of all, a claim for loss of consortium can only be made if the accident victim wins their personal injury case. But that isn’t the only hurdle that comes with these types of claims.

As with other non-economic damages – such as pain and suffering and emotional distress – loss of consortium can be difficult to prove. Making a successful claim requires demonstrating the following:

  • The validity of the relationship
  • The party bringing the claim has suffered losses
  • The victim’s injuries are the cause of damaged relationship

In determining whether or not to award consortium damages, the court will take a great deal of information into consideration. The factors that are likely to play a major role in the decision include:

  • The length and stability of the personal relationship
  • The victim’s household responsibilities prior to the accident
  • The life expectancies of the victim and the party bringing the claim
  • The type of care and companionship between the two individuals

Get the Legal Help You Need

If one of your loved ones was seriously injured in an accident, you may be eligible for loss of consortium damages. Obtaining the compensation you both deserve isn’t going to be easy, but an experienced personal injury lawyer will know how to build a strong case.

To get expert legal help in California, Idaho or Utah, turn to the professional team at William R. Rawlings & Associates. We’ve been helping accident victims with personal injury claims for over 35 years, and we have considerable experience working with cases involving loss of consortium damages. Browse our impressive list of past case results and see for yourself how hard we work to get results for our clients.

For more information, or to schedule a free consultation, contact us today.

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Feb 05 2021

Dealing with Financial Difficulties After an Auto Accident

An auto accident can affect you physically and emotionally, and the aftermath can have a huge impact on your financial future.

If you’ve been injured in a car crash caused by another driver’s negligence or wrongful action, you don’t have to accept the resulting financial harm. Instead, discuss your legal options with an experienced auto accident attorney. With a lawyer in your corner, you’ll have an easier time recovering every dollar you deserve – and if you work with the legal team at William R. Rawlings & Associates, your financial difficulties will soon be in the past.

Free car accident attorney consultation in Utah

Compensation for Your Losses

An experienced auto accident attorney can help you seek the maximum financial compensation available to you through a claim against the driver responsible for your injuries.

As the injured victim in a car crash, you may be entitled to compensation for the following:

  • All medical expenses, including the costs of any doctor visits, hospitalization, surgery, rehabilitation therapy, in-home care, medication and other treatments your injuries require
  • Lost income due to having to take time off work and, if you’re unable to return to the same profession or your injuries prevent you from seeking employment at all, lost earning capacity
  • Property losses, which may include reimbursement for car repair or replacement costs in addition to the fair market value of any belongings that were damaged or lost during the crash
  • Pain and suffering, emotional distress, loss of enjoyment and loss of consortium directly resulting from the injuries sustained in the auto accident

Protect Your Personal Injury Claim

An experienced auto accident attorney will help you prepare a strong personal injury claim and guide you through the legal process. In the meantime, you can do your part to ensure a successful outcome. We suggest that you:

  • Stick to the facts when speaking with insurance adjusters and never sign anything without speaking to your accident attorney first
  • Refrain from posting any information about the car crash on social media, as anything you share online could be used to devalue your personal injury claim
  • Follow the treatment advice of your doctors and attend all scheduled follow-up medical appointments

You accident attorney will likely provide more tips and targeted advice. Listen to their recommendations, and you’ll stand a stronger chance of obtaining the financial compensation you deserve.

Get the Legal Help You Need

Hiring a reputable auto accident attorney is one of the best ways to ensure you’re adequately compensated for your financial losses. And if you’re in Utah, Idaho or California, you’ll be in good hands with the legal team at William R. Rawlings & Associates.

We’ve been helping injured victims for more than 35 years, and we make every effort to maximize the amount of compensation our clients obtain. Choose our law firm, and you won’t have to pay us a dime if we don’t win or settle your claim.

For a free, no-obligation auto accident attorney consultation and expert help resolving your financial difficulties through a personal injury claim, contact William R. Rawlings & Associates today.

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Jan 08 2021

Tricks Insurance Adjusters Use to Devalue Personal Injury Claims

Insurance adjusters have one goal – to minimize the amount of compensation paid out in personal injury claims. Serving the interests of the insurance company is their job, and the company exists to earn a profit. So, the reality is, an adjuster isn’t going to help you. Instead, they’ll be looking for ways to tip the sale in favor of their employer.

As former adjusters and attorneys for insurance companies, the legal team at William R. Rawlings & Associates understands the tricks commonly used to keep personal injury claim compensation at a minimum. Here, we share some of the everyday tactics adjusters try to limit company payouts.

How to maximize a personal injury claim

Quickly Make a Low Settlement Offer

Insurance companies often contact personal injury victims right away to offer a settlement. Getting money quickly after an accident can be tempting, and adjusters know that once a settlement is accepted, victims can’t negotiate for more money.

Request a Recorded Statement

Sometimes, injuries and pain don’t manifest until days after an accident. Knowing this, insurance adjusters ask for a recorded statement early on, using the information to devalue a claim or damage the victim’s credibility.

Misrepresent the Available Coverage

The amount of compensation available in a personal injury claim is, in part, dictated by the limits of the insurance policy. However, adjusters aren’t always straightforward about the coverage and may try to trick injured victims into settling for a lesser amount.

Encourage Settlement without a Lawyer

Many insurance adjusters lead victims to believe that they have no need of an attorney or say that hiring a lawyer reduces the amount of money a victim will receive. In reality, neither is true – they’re just trying to save the company from a big payout.

Discuss Settlements for Similar Claims

Adjusters frequently declare that similar personal injury cases settled for a certain amount of money. More often than not, the amount is insignificant and certainly not a reflection of a claim’s true value.

Announce a Final Settlement Offer

Another trick insurance adjusters commonly use is to say that they have no more room to negotiate. Injured victims often don’t realize that the company can’t make an offer final and that by working with a lawyer they can explore other options.

If you’ve been hurt in an accident, hiring an experienced personal injury attorney is the best way to protect your rights and maximize your compensation. In Utah, Idaho and California, injured victims in need of legal guidance trust the professional team at William R. Rawlings & Associates.

Don’t let yourself get tricked by an insurance adjuster – contact us for a free, no-obligation consultation to discuss your personal injury claim today.

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Dec 18 2020

How Does the Car Accident Settlement Process Work?

While some car accident cases end up going to trial, most are resolved through the settlement process.

If you were involved in a serious collision and want to seek financial compensation for your losses, you should discuss your case with an experienced personal injury lawyer. A local attorney can explain the steps to settling a claim and why you may not want to negotiate your own settlement. But, you may find the following information helpful.

How to file a car accident claim

Reporting a Car Accident

Most states have laws requiring drivers to report car collisions to a local law enforcement agency. The police or state highway patrol must be notified when accidents result in serious injuries, death or significant property damage.

Your insurance company also likely requires you to report auto accidents soon after they occur. You don’t, however, have to go into detail about the incident – you can simply provide the date, time and location of the crash and the contact information of the other drivers involved.

No-Fault Car Accident States

In states that follow the no-fault auto accident liability system, like Utah, injured victims can recover medical expenses and lost wages regardless of who is responsible for causing a collision.

Under this system, you only deal with another driver’s insurer if you meet the threshold of financial losses. In Utah, that typically means exceeding $3,000 in economic damages.

At-Fault Car Accident States

In states that follow the at-fault system, such as California and Idaho, the driver who causes an auto accident can be held financially responsible for the resulting damages.

Under this system, injured victims have the option of filing a claim with their own insurance company, filing a claim with the at-fault driver’s insurance provider or filing a lawsuit. An experienced local personal injury lawyer can offer advice on the best route to take.

Settling a Car Accident Claim

As we mentioned, most car accident claims are settled out of court. Getting through the settlement process involves a great deal of work, as you’ll need to gather evidence to support your claim, draft a demand letter, explain the extent of your injuries and make clear the amount of damages you’d like to recover.

You can count on the insurance company investigating the case, and if they don’t deny your claim, they’ll likely make a lowball offer. At this point, you’ll need to negotiate – and if the insurer refuses to offer a reasonable settlement amount, you can file a lawsuit.

Settling a claim and getting the compensation you deserve is no easy task on your own. Car collisions are subject to state-specific laws, and many injured victims underestimate their losses. If you’ve been in an auto accident, letting an experienced local personal injury lawyer help with the settlement process is a smart move. For expert legal assistance in Utah, California or Idaho, contact William R. Rawlings & Associates and schedule a car accident settlement consultation today.

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Apr 28 2020

Car Insurance Importance and Selection Themes

At the offices of William Rawlings & Associates, LLC, our single most common case type when providing personal injury attorney services to a variety of clients is a vehicle accident. Our auto accident injury attorneys have assisted numerous clients with receiving just compensation when injured in a car, truck, motorcycle or other vehicle accident at the fault of another party.

One of the most important factors at play during such situations and resulting liability suits: Car insurance. Insurance companies will play a central role in nearly all such incidents, whether we’re talking about your insurance, the insurance of the party who caused an accident or any other situation. In today’s blog, we’ll go over the basics of why you need car insurance, some basic requirements and factors we recommend you consider while selecting it, plus some detailed data compiled by Consumers Advocate on many of your top car insurance company options out there today.

car insurance importance selection

Basic Insurance Benefits, Themes and Selection Factors

Car insurance is important for anyone who drives a vehicle to maintain, both for your own protection and in cases where you are involved in an accident or any kind of on-road incident with another driver. Not only are you leaving yourself open to potential financial exposure and major related issues if you are driving while uninsured, you are almost certainly breaking at least one state law and may be arrested as a result (and on the flip side, most insurance policies carry coverage to protect you against uninsured motorists).

It’s important to note that anytime you move, and often when you change vehicles, you should consider shopping for new insurance coverage. Even if you haven’t left the state and are just moving to a new city or area, your rate may change in major ways based on these tweaks to your daily life.

State Requirements and Expression Formats

As we noted above, car insurance is generally a legal requirement, one regulated by the state you live in. Each state has created its own set of guidelines for minimum requirements that must be held by all drivers in that state, and you’ll usually see this broken down into three numbers with slash lines between them – a common such expression would be something like 200/400/50. Here’s what each of these numbers represents:

  • 200: The first number refers to the cost per person for bodily injuries, with the number multiplied by 1,000 – in this case, 200 means $200,000 of coverage
  • 400: Cost times 1,000 per accident for bodily injury
  • 50: Cost times 1,000 per accident for property damage

Thorough Insurance Company Reviews

While you should take the time to compare and shop between various insurance companies anytime you need new coverage, there are many resources out there to make this process easier for you. One such resource is this data compiled by Consumers Advocate, which uses detailed information on various insurance companies and their pricing, discounts, customer experience, automation and overall financial strength to help you differentiate between many of the most popular insurance companies out there.

For more on car insurance and why it’s so important, or to learn about any of our auto accident injury attorney or other personal injury attorney services, speak to the staff at the offices of William Rawlings & Associates today.

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