Ogden Car Accident Lawyer

Reviewed by Kara H. North, Managing Attorney at Moxie Law Group. Reviewed September 10, 2026.

Ogden’s busiest roads see crashes every day, from the I-15 and I-84 junction where two interstates funnel together to the constant stop-and-go along Riverdale Road and Washington Boulevard. Moxie Law Group helps injured drivers across Weber County recover what a crash truly costs, so you can focus on healing instead of fighting an adjuster. We work on contingency, so you pay nothing unless we win.

A lot of Ogden’s crashes cluster in the same places. The I-15 and I-84 junction pushes heavy through-traffic together, Riverdale Road’s retail corridor mixes constant turning and merging, and Washington Boulevard carries the bulk of downtown traffic. That is where the rear-end, left-turn, and lane-change collisions we see most from Ogden happen.

Whatever caused your crash, a few pieces of Utah law shape what your claim looks like:

• Utah is a no-fault state. Your own Personal Injury Protection (PIP), a minimum of $3,000, pays early medical bills no matter who caused the crash.
• There is a threshold to sue. You can pursue the at-fault driver for pain and suffering once your medical costs pass $3,000 or you suffer a permanent injury.
• You generally have four years from the crash date to file a lawsuit.
• Utah uses a 50 percent fault bar. Your recovery is reduced by your share of blame, and at 50 percent or more you recover nothing, which is why insurers work to shift fault onto you.

Ogden’s crash map is shaped by three things: two interstates, one long downtown boulevard, and a mountain. The I-15 and I-84 junction near Riverdale is the worst spot in Weber County for high-speed merges, and the morning and evening Hill Air Force Base commute turns I-15 between Roy and 31st Street into stop-and-go where rear-end crashes stack up. The 12th Street and 31st Street interchanges feed traffic onto Wall Avenue and Washington Boulevard, and the downtown blocks of Washington between 20th and 30th Street produce the left-turn and red-light collisions we see most. Riverdale Road is a retail corridor with a driveway every hundred feet, which means constant turning traffic and low-speed but injury-heavy T-bone crashes. Harrison Boulevard along Weber State University adds student drivers, pedestrians, and buses to the mix. Up Ogden Canyon on SR-39, the road to Pineview is narrow, curving, and shaded, and a canyon crash often involves a driver crossing the center line.

Winter changes everything. Inversions drop visibility, the benches ice over before the valley floor, and a fog bank on I-15 at 5:30 a.m. produces multi-car pileups. Crashes inside city limits are investigated by the Ogden Police Department; crashes on I-15 and I-84 are handled by the Utah Highway Patrol, and the report comes through the state crash portal. The seriously injured are taken to McKay-Dee Hospital, a Level II trauma center, or Ogden Regional Medical Center. We use the report, the hospital records, and, where it exists, UDOT camera footage to establish what happened.

The steps you take early can decide how strong your claim is. Get checked by a doctor even if you feel fine, report the crash, photograph the vehicles and the scene, collect the other driver’s insurance details, and hold off on giving their insurer a recorded statement until you have spoken with a lawyer. Common injuries range from whiplash and concussions to spinal and orthopedic injuries that surface days later, so early medical documentation matters.

Because Ogden is in Weber County, a car accident lawsuit is filed in the Second Judicial District Court in Ogden. Most claims settle with the insurer long before that, but preparing the case as though it will be tried is what gives you leverage.

Utah requires every driver to carry at least $30,000 per person and $65,000 per crash in bodily injury liability coverage, $25,000 in property damage coverage, and $3,000 in Personal Injury Protection. Those minimums run out fast after a serious crash; a single night at McKay-Dee can exceed the at-fault driver’s entire policy. That is why the first thing we do is identify every policy that applies: the at-fault driver’s liability coverage, your own underinsured motorist coverage, an employer’s policy if the other driver was working, and any umbrella coverage.

If the driver who hit you had no insurance, or drove off, your own uninsured motorist coverage steps in. Utah insurers must offer UM and UIM coverage, and it can only be waived in writing under Utah Code 31A-22-305, so many people have it without knowing. In a hit-and-run, report it to Ogden Police immediately and note everything you can about the vehicle; the police report is what your UM claim will rest on. If a city, county, or UDOT vehicle was involved, the deadline is different: a written notice of claim must be filed within one year, not four.

Do I have to use my own insurance first?
Yes. Utah’s no-fault system means your PIP pays first, then you can pursue the at-fault driver once you cross the $3,000 or permanent-injury threshold.

The adjuster says I was partly at fault. Is my claim over?
Not if you were less than 50 percent at fault. Your recovery is reduced by your share, not erased.

How long do I have to file?
Generally four years from the date of the crash, but starting early preserves evidence and witness memories.

What will a lawyer cost me?
Nothing up front. We work on contingency, so our fee comes out of the recovery.

The other driver had no insurance. Can I still recover?
Usually, through your own uninsured motorist coverage. Check your declarations page or send it to us; UM coverage is included on most Utah policies unless it was rejected in writing.

Who investigates a crash on I-15 near Ogden?
The Utah Highway Patrol handles the interstates; the Ogden Police Department handles crashes on city streets. We obtain the report either way, and we can request it before you receive your copy.

From the first call, we take on the parts that wear people down. We deal with the adjusters, gather the police report and medical records, preserve the evidence, and account for the future care and lost earnings insurers like to leave out. You pay nothing up front, and our fee comes out of the recovery.

If you were hurt in a crash in Ogden or nearby, call Moxie Law Group for a free case review. To learn how these claims work statewide, see our Utah car accident attorneys page.