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What should I not tell the insurance company?
Avoid using phrases like “it was my fault,” “I'm sorry,” or “I apologize.” Don't apologize to your insurer, the other driver, or law enforcement. Even if you are simply being polite and not intentionally admitting fault, these types of words and phrases will be used against you.
Is Utah a no-fault state?
What is Utah's No-Fault Law? 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.
Do insurance adjusters follow you around?
It is legal for insurance companies to follow you around in public places. They cannot tap your phone or search your home but they can take photos of you while out in public. They may be looking for evidence that your injuries are not as severe as you claim or that you are not following medical advice.
Is Florida a no-fault state?
Florida is a no-fault automobile insurance state. This means that drivers must carry personal injury protection insurance (PIP) to pay for their medical expenses and other accident-related damages, regardless of who caused the collision.
What happens after a car accident not your fault Utah?
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”.
Which states are considered no-fault?
Florida, Kansas, Hawaii, Massachusetts, Minnesota, Michigan, New Jersey, New York, North Dakota, Pennsylvania, Kentucky and Utah are the states with no-fault car insurance laws. All no-fault states include Personal Injury Protection as part of their minimum car insurance requirements.
Is PIP mandatory in Utah?
Utah requires car owners to carry personal injury protection (PIP) insurance, which pays for medical costs, lost income and other related expenses if you're injured in an accident. Also called "no-fault insurance," PIP pays for your injuries no matter who was at fault in a collision.
Is it illegal to not have car insurance in Utah?
Driving without insurance is considered a misdemeanor in Utah. Every driver is required to carry liability insurance with at least the minimum coverage, which is $25,000 for bodily injury liability coverage per person and $65,000 per accident, plus $15,000 for property damage.
Do insurance companies hire people to follow you?
In some cases, insurance companies hire a private investigator to follow or “spy” on an injured claimant after a car accident. They do this to obtain evidence that the injured victim can perform acts that the victim says he or she can't perform in an effort to diminish the claim for compensation.
How often do insurance companies do surveillance?
Insurance companies generally consider this ample time to get a good sampling of your activities.
Should I trust insurance adjuster?
The short answer to this question is no. An insurance adjuster is employed by an insurance company. A claims adjuster's sole job is to pay you the least amount of money possible. The insurance adjuster is not looking out for your best interest.
Can insurance investigators track your phone?
Can an Insurance Investigator Tap My Phone? No, an insurance investigator cannot tap your phone – ever. Tapping a phone involves using electronic equipment to secretly listen to someone's phone conversations, and it is illegal.
Who pays for car damage in a no-fault state Florida?
Florida is a no-fault state, which means each driver carries their own insurance to cover medical bills and car repairs up to a certain amount. More specifically,Florida Statutes § 627.736 requires drivers to carry PIP and property damage coverage policies of up to $10,000.
What happens if you are at fault in a car accident in Florida?
If you live in a fault state, the person responsible for the accident will hold liability for anyone's injuries. The other driver would file a claim with your insurance company, and you or your car insurance will pay for losses.
Is Florida a no-fault state 2022?
Florida is a no-fault state. No-fault law means that, regardless of who is at fault, your own personal injury protection insurance will step in to provide coverage up to the policy limits. Unlike most other states, residents of Florida are not required to have bodily injury liability.