What to Do in a 'No Fault' Accident
When you are in a car accident, usually someone is found to be at fault. This may be due to inattentive driving or violating traffic laws, even minor ones. When the officer files his incident report, that person will do their best to assign fault to one driver or the other based on the evidence.
Utah is unique, because it’s one of the 12 states that has a no-fault insurance system. This means that even if you are the injured party, or the person not at fault, you can pursue compensation from your own insurance company until you receive a settlement from the other person’s insurance company, provided the damages you have suffered meet certain thresholds.
In other words, if your medical injuries are under $3,000 your insurance company will pay, regardless of who is at fault. They can seek compensation from the other insurance company.
However, if damages are greater than the $3,000 limit, you do have a claim, but your insurance company will receive the money they spent on your behalf before you get paid for your expenses.
This keeps minor claims out of the court system and prevents huge settlements for minor accidents. You will still get paid if you are not at fault, and a good automotive accident attorney can advise you of your rights and ensure that you get the settlement you deserve.