Why This Matters
After a bicycle accident in Salt Lake City, dealing with insurance companies can feel like a second crash. They might lowball your claim or deny it outright—but you don’t have to accept that. Here’s a detailed guide to navigating the insurance claim process in Utah, so you can get the compensation you deserve.
Step-by-Step Guide to Filing a Claim
- Gather Evidence
Photos of the scene, your injuries, and your damaged bike are gold. Get the driver’s insurance info and any witness statements.
- Local Tip: SLC’s traffic cams on streets like 400 South can provide footage—ask the police for access.
- Notify the Driver’s Insurance
Since Utah is a fault state, the at-fault driver’s insurance should pay. Call them promptly, but don’t give a recorded statement without a lawyer—they can twist your words.
- What to Expect: They’ll assign an adjuster to evaluate your claim.
- Submit Your Claim
Provide all evidence—medical bills, repair estimates, and proof of lost wages. Be thorough; missing info can lead to denials.
- Pro Tip: Keep copies of everything you send.
- Negotiate the Settlement
Insurers often offer low settlements first. Don’t accept until you know the full extent of your injuries—some, like whiplash, take weeks to show up.
- Example: A Salt Lake City cyclist rejected a $5,000 offer and, with legal help, settled for $30,000 after showing long-term pain.
- Use Your Own Insurance if Needed
If the driver is uninsured or flees, your uninsured motorist coverage can step in. Most Utah policies include this—check yours.
- Fallback Option: Utah’s statute allows you to sue the driver directly if insurance fails.
Common Pitfalls to Avoid
- Settling Too Soon: Don’t sign anything until you’re fully healed—future medical costs might not be covered.
- Not Documenting Losses: Lost wages, bike repairs, even therapy—include it all.
- Going It Alone: Insurance companies have lawyers—you should too.
When to Hire a Lawyer
If the insurer denies your claim, offers too little, or blames you for the accident, a Salt Lake City bicycle accident attorney can help. They’ll negotiate, handle paperwork, and fight for max compensation.
Ceda Law Group knows the insurance game inside out. Contact us today for a free case evaluation—we’ll fight for what you deserve.
