What is “Comparative Negligence” in Utah? In Utah, you can recover damages as long as your fault is less than 50%. However, insurance companies often try to assign 10% or 20% fault to you just to save money. We use dashcam footage, witness statements, and black-box data to push that number to zero.

Why is my “No-Fault” (PIP) insurance denying my claim? Utah requires Personal Injury Protection (PIP). If your own insurance is denying basic medical or wage loss coverage, they may be acting in “Bad Faith.” We force them to honor the contract you’ve been paying for.

3. Dealing with Uninsured/Underinsured Motorists (UM/UIM)

Utah has a high rate of underinsured drivers. This section explains how Moxie taps into your policy’s hidden protections to ensure you aren’t left holding the bill when the “at-fault” driver has a $25k limit.

4. The “Total Loss” Trap

Most firms ignore property damage. Moxie can provide guidance on:

• Gap Insurance Disputes: When the car value is less than the loan.
• Diminished Value: Even if the car is fixed, it’s worth less now. We fight for that difference.

5. Why Moxie for Insurance Disputes?

• Aggressive Litigation: We don’t just “settle.” We prepare every claim as if it’s going to a jury, which often makes the adjuster suddenly find more money.
• Local Accountability: Based in Utah, we know the local adjusters and their tactics.