What Not to Say to Insurance After a Utah Car Crash

Getting into a Utah car accident can be overwhelming—between medical care, car repairs, and paperwork, you may also face pressure from insurance adjusters. While it might seem like insurance companies are there to help, their priority is minimizing payouts. What you say, or don’t say after a Utah car crash can make or break your claim.

Below, we’ll cover the most important “don’ts” when speaking with insurers, plus how Utah’s no-fault laws affect your claim, and why hiring a lawyer early can make all the difference.

The Critical “Don’ts” When Speaking with Insurance Companies

To protect your car accident claim, here are things you should never say or do without legal advice:

Do Not Admit Fault or Apologize

Even a simple “I’m sorry” can be taken as admitting fault. Stick to the facts when reporting to your own insurer. The other driver’s insurer will be looking for ways to reduce your claim—be especially careful in those conversations.

Do Not Say You Are Not Injured

Some injuries (like whiplash, concussions, or internal trauma) take time to appear. Instead of saying you’re “fine,” state that you’re unsure and seek prompt medical care. For why this matters, see Why Prompt Medical Treatment Matters After a Car Accident in Utah.

Do Not Give Recorded Statements Without a Lawyer

Insurance adjusters may request a recorded statement to lock you into details that hurt your claim. Always consult a Utah car accident lawyer before agreeing.

Do Not Sign Releases Without Legal Review

Never sign medical record releases, liability waivers, or settlement papers without legal counsel. Doing so could cut off future compensation.

Do Not Accept Quick Settlement Offers

Early offers often cover far less than the full value of your medical bills, lost wages, and pain and suffering.

Do Not Post Accident Details on Social Media

Anything you share online can be used against you.

Do Not Delay or Skip Medical Treatment

Following through on all medical advice documents your injuries and strengthens your claim.

Do Not Destroy Evidence

Photos, police reports, and witness contact information are crucial pieces of evidence.

What You Should Say to Your Insurance Provider

If you do speak with your insurance adjuster, keep it basic. Provide only:

• Your full name and contact information

• Where you are employed

• The date, time, and location of the crash

• The vehicles involved

• Names and contact info for witnesses

For all other questions, direct them to your attorney. You can simply say: “My attorney is handling all further communications.”

Understanding Utah’s No-Fault Insurance System

Utah follows a no-fault insurance system under Utah Code § 31A-22-309. This means your own Personal Injury Protection (PIP) insurance pays at least $3,000 of medical expenses, no matter who caused the accident.

However, if your injuries are severe, you may be able to step outside the no-fault system and bring a claim against the at-fault driver. In these cases, legal guidance is critical for proving fault and securing full compensation.

Why Legal Counsel Matters After a Utah Car Crash

Insurance companies are not on your side. They have teams of adjusters and lawyers working to minimize your payout. By hiring an attorney, you gain an advocate who can:

• Handle all communications with insurers

• Investigate the crash and gather evidence

• Calculate the full extent of your damages (medical bills, lost wages, pain and suffering, and future care)

• Negotiate aggressively for fair compensation

• Take your case to trial if necessary

Need Help After a Utah Car Accident?

Knowing what not to say to insurance companies can protect your health, finances, and legal rights.

If you’ve been injured in a car accident in Utah, contact London Harker Injury Law today for a free consultation. Our experienced attorneys serve clients throughout Sandy, Provo, and Lehi and are ready to fight for the compensation you deserve.

For more on reporting accidents in Utah, see Utah Code § 41-6a-401.