When Insurance Isn’t Enough

ELI5: Negligence

What are your options when insurance has left you with unpaid medical expenses?

Utah is a no fault state. This means that, if you are in an car accident, your insurance will cover up to $3,000.00 in damages no matter who is at fault. But what happens if you’re seriously injured in an accident? What if you need help paying for medical bills beyond what the basic PIP insurance covers? Furthermore, how much compensation will you be entitled to? Many people are unaware of how personal injury lawsuits and insurance companies work to compensate the injured. If you have been injured in an accident, it is important that you understand your options so you can move forward.


When Insurance Isnt Enough

Though your insurance will pay for the first $3,000.00 in damages, you can still file a personal injury claim. However, insurance companies won’t pay more than the limit of the policy held by the at-fault party. Policy limits are the maximum amount a person’s policy will pay in the event of an accident. For example, if you have $35,000.00 worth of medical bills, but the person at fault only has an insurance policy for $25,000.00, the maximum amount the insurance company will pay is $25,000.00. This means you will have to decide if you are going to personally sue the person if you need additional compensation beyond what their policy covers.


If the defendant has no insurance, you can still file a claim against them. The difference is that the person without insurance will be personally liable for your damages. If you carry uninsured motorist bodily injury, your insurance company will take care of your claims up to your uninsured motorist policy limit. There is another type of insurance called underinsured motorist which protects you against drivers who don’t have enough insurance coverage to cover damages resulting from their faults. You may be able to file an underinsured motorist claim when certain conditions have been met. It may be better to go through your insurance company than personally sue the person who caused your injuries.


When Insurance Isnt Enough

You can still sue a person even if they don’t have any assets or insurance. However, most attorneys will caution you that the lawsuit may not be worth the time, money, and effort. It can be difficult to collect from someone without assets—even if they’re ordered to pay. A personal injury attorney can help you decide what your best options are when a defendant doesn’t have any assets or insurance. It’s an unfortunate situation, but it does happen. In these cases, a lawyer may be able to help you reach a settlement that may at least help pay for some of your expenses.


Many people wonder if they should consult a personal injury attorney when they are injured in an accident. Believe it or not, it is always a good idea to consult an attorney when you’ve been injured in a car accident. An attorney will be able to guide you through the personal injury claim process and answer any questions you have along the way.  Since most personal injury firms offer free consultations, there’s no reason not to go to an attorney.


When Insurance Isnt Enough

Accidents can be financially and physically devastating. If you have been injured in an accident, Moxie Law Group can offer support. We’re here to answer your questions about your personal injury claim. Our experienced attorneys are dedicated to fighting for maximum compensation. Contact us today for a free consultation.

Red mug with white snowflakes full of whipped cream and hot chocolate with a green candy cane in it sitting next to a plate of cookies

Five Ways to Have a Safe Christmas

by | Dec 5, 2023 | Educational | 0 Comments

At Moxie Law Group, we want you to have a nice holiday season. Make sure you’re following these safety tips to keep the holiday cheer going!  Be Careful When Dashing...

A city at night during winter as snow is falling

How to Stay Safe in Code Blue Weather

by | Nov 30, 2023 | Educational | 0 Comments

As the temperatures are dropping, the cold is beginning to get dangerous. While resource centers are expanding their capacity for those who are in need of shelter, it’s...

A person who is handcuffed with their palms up

When Can You Shoot a Burglar?

by | Nov 28, 2023 | blog,Educational,Personal Injury Attorney Utah,Personal injury attorneys Utah,Personal Injury Lawyer Utah | 0 Comments

Recently, a Utah man was arrested for pulling a gun on a woman he suspected of shoplifting from the Dollar Tree. Many people are confused about whether or not it’s ever...

Person walking on a road during the day

4 Ways to Support Pedestrian Safety

by | Nov 23, 2023 | Auto Accidents,Car Accident,car accident attorney Utah,Educational | 0 Comments

With the weather getting frightful, and the days getting shorter, it’s more important than ever to advocate for the safety of pedestrians. Pedestrian accidents can...

Car dashboard and steering wheel

Can You Go to Jail for an Accident?

by | Nov 21, 2023 | Auto Accidents,Car Accident,car accident attorney Utah | 0 Comments

Can you go to jail for a car accident? What about a hit and run, can you go to jail for a hit and run? Normally, accidents don’t result in jail time. But in some cases,...

Crutches leaning up against the wall

When You’re Being Sued for a Car Accident

by | Nov 16, 2023 | Auto Accidents,Car Accident,car accident attorney Utah | 0 Comments

When you're being sued for a car accident, take a deep breath and relax.  What Am I Going to Do?  If you were recently involved in a car crash, and now your insurance...

Hospital during the day time outside

When Should You File a Lawsuit?

by | Nov 14, 2023 | Car Accident,car accident attorney Utah,Truck accident lawyer | 0 Comments

If you’ve been injured, you may be wondering if you should consider filing a personal injury claim. There’s a difference between a personal injury claim and a lawsuit....

Old fashioned blue car in a snowy landscape.

Car Accident Season Is Coming. Is Your Car Ready?

by | Nov 9, 2023 | Educational | 0 Comments

It’s lovely weather for a car ride together—but not for long. Car accident season is coming, and with that there will be a lot of very busy personal injury attorneys...

Red flag standing alone on a beach.

Car Accident Attorney Red Flags

by | Nov 7, 2023 | Educational | 0 Comments

One thing’s for sure: car accident attorney red flags aren’t discussed in school. In fact, our society doesn’t tend to put a lot of effort into ensuring that we’re...