Utah Accident Guide 2026 Informational Video
Auto Accident Claims
There are a variety of claims you can make after a car accident. A claim will be based on what happens in a specific accident. For example, a claim will have multiple categories of claims if your car was damaged, or if you, your passengers, or anyone else is injured or hurt, and if you lose wages because you are unable to work as you recover from an accident.
When you make a claim, we encourage you to work with a lawyer who can represent you and help you to navigate the legal system. Claims also typically are related to specific types of coverage, the minimum and maximum amounts available in your policy, and how well you can prove you need the claim to be covered by your insurance, or the insurance of the other person in the accident.
Understanding Common Terms
In Auto Insurance Policies
Let’s start with common terms that are important to understand that you will find in a typical insurance policy. Each insurance policy varies so it is important that you look closely at your own policy and coverage.
Car Accident Types of Common Injuries
What is a Soft Tissue Injury?
When you have damage to your ligaments, muscles, and tendons we call those soft tissue injuries. Do not be fooled by the name. Soft tissue injuries are not only extremely common in car accidents; they can cause great suffering, inconvenience and take a very long time to heal.
What is considered a Head Injury – Traumatic Brain Injury or a concussion (TBI), Concussion?
Traumatic Brain Injury or concussions are common after vehicle accidents. You may have headaches, foggy thinking, blurry vision, and extreme fatigue. Even if you do not hit your head, a solid shaking in an accident can be all it takes to do some damage. It is important you see a physician trained in concussion to make sure you don’t have a brain bleed or other severe trauma and get the care you need immediately. The sooner you start concussion therapy, the sooner all kinds of things start to work better.
NOTE: If you or a passenger has clear-ish fluid running from nose or ears get to the Emergency Room stat. That can quickly be life threatening.
What are considered Neck & Back Injury?
Neck and/or back pain is the most common type of pain to happen when you get injured in a car accident. Often these types of pain indicate a soft tissue injury or other concerns.
What concerns are there about Broken Bones after an accident?
Any bone in your body can break or be fractured from a car accident. Because there is a lot of physical force in an accident even a “fender bender” and depending on all of the circumstances, can result in broken bones. Necks have been known to break at 2 miles per hour, so this is not something to put off getting looked at after a wreck.
What about Strains or Sprains after an accident?
Typical strains and sprains come from overuse, but in an accident, they can be caused by an over extension or twisting of ligaments or tendons.
What causes Shoulder Injuries?
Shoulder injuries typically are related to the tendons and ligaments in your shoulder or the three joints in your shoulder. Many factors are involved, like where were your hands when you were hit? Which way was your face facing, which also affects neck and back injury potential? Which direction was your vehicle hit? Speed of both vehicles and much more. Get your shoulder checked out.
Good to know information on Knee Injury
Knee injuries in an accident are typically the result of a forceful twist or hyperflexion of your knee joint. That means the joint gets bent in a direction it is not meant to go. Pain, swelling, and not being able to support your weight are common symptoms and we encourage you to get it checked out if you have pain or joints do not work right after an accident.
What are some of the details for Auto Accident Claims?
There are a variety of claims you can make after a car accident. A claim will be based on what happens in a specific accident. For example, a claim will have multiple categories of claims if your car was damaged, or if you, your passengers, or anyone else is injured or hurt, and if you lose wages because you are unable to work as you recover from an accident.
How and when will I get paid?
Your insurance company will likely claim they pay promptly and reliably. To do the best you can to make sure that happens, provide accurate information throughout the whole, long process. Do not make things sound worse or like they are no big deal. Simply be accurate and honest. Your doctors can begin billing as soon as you start treatment.
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