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Key Takeaways State regulators found that claims work is the largest area where big auto insurers use artificial intelligence. Outside vendors usually build the models that price settlements and read crash photos. Two dozen states adopted guidance on insurer use of artificial intelligence, and Utah did not. The rules here still require firm deadlines, a…
Read MoreKey Takeaways: AI tools answer based on patterns found online, not the facts, records, and insurance policies in your claim. Generic answers miss the state rules that decide real cases, including filing deadlines, the no-fault threshold, and shared fault. Anything you type into a chatbot sits outside the protection that covers confidential communications with a…
Read MoreKey Takeaways: Personal injury protection pays early medical expenses regardless of fault, and state law restricts general damages until a statutory condition is met. Your percentage of fault reduces recovery, which gives an adjuster a financial reason to argue you caused part of the crash. Injured people may elect binding arbitration on a third-party bodily…
Read MoreKey Takeaways: Fault belongs to whoever failed to use reasonable care, so the driver is usually responsible but never automatically. Drivers must yield to people crossing in marked and unmarked crosswalks, including intersections with no paint on the pavement. People on foot carry their own legal duties, and breaking one can shift part of the…
Read MoreKey Takeaways: Insurance adjusters are trained to reduce what they pay, so early phone calls and recorded statements can quietly lower the value of your claim. Accepting the first settlement offer often locks you into far less than your injury is worth, with no way to reopen the claim later. Admitting fault, downplaying injuries, or…
Read MoreKey Takeaways: A denied car accident insurance claim is not final, and you can dispute it, file a complaint, or take legal action. Common denial reasons include disputed fault, coverage gaps, and claims that your injuries are not serious enough. The state’s no-fault rules and comparative fault law shape what you can recover after a…
Read MoreIf you were hurt in a fall on someone else’s property, you may be wondering whether what happened to you counts as a slip and fall or a trip and fall. While both types of fall accidents occur when a property owner fails to maintain safe premises, they involve different causes, body mechanics, and often…
Read MoreA rental car accident in Utah can be more stressful and confusing than a regular car crash. On top of dealing with injuries and vehicle damage, you have to figure out which insurance coverage applies, what your rental agreement requires, and how to handle claims involving the rental car company, your own insurance company, and…
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