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March 7, 2019 in Tips
Utah is one of twelve states that has a no-fault insurance system for auto accidents.
In the 1960s, the traditional auto liability insurance system became the target of public criticism. Individuals purchasing auto insurance, agencies marketing auto insurance and state officials regulating auto insurance were up in arms about pricing, claims processes and determining who is “at fault” in the event of an auto collision.
For the first time, legislation was introduced in the 1970s in many states, to allow auto accident victims to recover financial losses as medical and hospital expenses and lost income from their own insurance companies.
State auto liability insurance laws fall into four broad categories: no-fault, choice no-fault, tort liability and add-on. The categories vary when it comes to the about the restrictions on the right to sue and whether the policyholder’s own insurer pays first-party benefits, up to the state maximum amount, regardless of who is at fault in the accident.
Twenty-four states, including the District of Columbia and Puerto Rico, now have laws that allow policyholders to obtain compensation for auto accidents from their own insurers. Of these, 12 states and Puerto Rico have placed restrictions on the right to sue either through a monetary threshold, which allows a suit to be filed for pain and suffering when medical expenses reach a certain stipulated amount or through a descriptive or verbal threshold, which allows suits only when the injury incurred meets the criteria for a serious injury as defined (hence the term verbal or descriptive) by state statute. These are the only true no-fault states – Utah is among them/
The Utah “No Fault Insurance” law simply means that your own automobile insurance will take some of the hassle out of getting your initial medical bills paid. It is based on the premise that your own automobile insurance company and the automobile insurance company for the at-fault driver are in the best position to determine who should really be paying the bills.
Therefore, if you sustain an injury as a result of an auto collision, the initial bills will be billed to your insurance provider. Throughout a legal process you don’t want to find yourself going head to head with the other insurance company. The Utah “No Fault” law provides you relief and your insurance provider will step in and fight for you.
For more information on what No-Fault insurance is and which states have it, check out this informative video.
For helpful advice or to learn more about our services, contact A.U.T.O. Collision at 801.568.0305 or visit the shop at 215 West 9210 South, Sandy, Utah 84070. We are here to serve you Monday – Friday, 8am – 5:30pm.
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