Detailed Answer
After a vehicle accident in Utah, a passenger can protect an injury claim by maintaining clear and consistent medical care. Continuity of care demonstrates that your injuries stemmed from the crash and helps insurers and courts accurately assess your damages.
1. Seek Prompt Medical Attention
Visit an emergency department or urgent care provider immediately—ideally within 72 hours. Early treatment links your injuries directly to the accident. Utah’s medical payment coverage often requires notice to the insurer within 30 days. See Utah Code §31A-22-305 (Proof of Claim; Medical Payments Coverage).
2. Choose a Consistent Treating Provider
Select one primary care physician or specialist to manage your treatment plan. Attend every appointment and follow prescribed therapies. Changing providers without referrals can create gaps in your record and raise questions about your injury’s severity or origin.
3. Keep Detailed Records
- Medical reports, test results, and treatment notes
- Prescription records and therapy bills
- Referral letters from doctors
- Mileage logs for travel to and from appointments
4. Document Your Symptoms
Maintain a daily pain and symptom journal. Note pain levels, limitations in daily activities, and emotional distress. This diary supports your claim for pain-and-suffering damages under Utah Code §78B-5-822 (Elements of Damage in Personal Injury Actions).
5. Notify Insurers Promptly
Inform both the auto insurer and your health insurer about your accident and injuries. File any required medical payment or PIP (personal injury protection) claim within 30 to 60 days, per Utah Code §31A-22-305. Prompt notice prevents coverage denial for late reporting.
6. Understand Statutes of Limitations
Utah law gives you two years from the accident date to file a personal injury lawsuit. See Utah Code §78B-2-307 (Statute of Limitations for Personal Injury). Missing this deadline likely bars your claim.
7. Work with Experts When Needed
Physical therapists, chiropractors, or vocational rehabilitation specialists can document the lasting impact of injuries. Expert reports reinforce your case, especially if insurers question causation or necessity of treatment.
Helpful Hints
- Use a dedicated folder or secure app to store all medical and billing documents.
- Confirm referrals in writing and save emails or letters.
- Attend every therapy session—even if you feel better.
- Review medical bills for accuracy and challenge any unrelated charges.
- Keep copies of your insurer correspondence, including claim numbers and contact names.
- Ask providers to clarify any medical terms or treatment plans in writing.
Disclaimer: This article provides general information only and does not constitute legal advice. Consult a licensed Utah attorney to address your specific situation.