Whether you’ve been hit on the Point of the Mountain heading to Lehi, or caught in a crash near Hill Air Force Base in Layton, insurance companies handle truck accidents differently than regular car crashes. Here’s what you need to know.
The First 24 Hours
What They Do Right Away
- Send investigators to Midvale
- Take photos at the scene
- Interview witnesses in Kaysville
- Check cameras on State Street
- Start building their defense
Real-Life Story
Sarah’s crash happened at 2 PM in Cottonwood Heights. By 4 PM, the trucking company had three people at the scene taking pictures and talking to witnesses. Meanwhile, Sarah was still at St. Mark’s Hospital, not knowing her rights.
Their Bag of Tricks
Quick Settlement Offers
- Call you in the hospital
- Offer fast cash in Woods Cross
- Push for quick decisions
- Sound super friendly
- Seem really helpful
What They Don’t Tell You
- Your injuries might get worse
- Future medical bills in Roy
- Lost work time in Clearfield
- Long-term problems
- True case value
Multiple Insurance Companies
Who’s Involved
- Truck’s insurance
- Driver’s insurance
- Trailer insurance
- Cargo insurance
- Your own insurance
Why It’s Tricky
Like a crash on I-15 through Farmington where:
- One company insures the truck
- Another insures the driver
- Third company covers the cargo
- Everyone points fingers
- Nobody wants to pay
Recording Everything
What They Record
- Your phone calls from Syracuse
- Statements about the Highland crash
- Social media posts
- Conversations
- Activities
How They Use It
Tom posted a photo at Smith’s in Draper after his accident. The insurance company used it to claim he wasn’t really hurt, even though he was in terrible pain.
Watching You
What They Look For
- Doctor visits in Murray
- Physical therapy in Bountiful
- Daily activities in Magna
- Work schedule in West Jordan
- Social life in Millcreek
Their Tactics
- Follow you shopping
- Watch you at work
- Monitor social media
- Talk to neighbors
- Check your activities
Medical Treatment Games
How They Interfere
- Question Sandy doctors
- Dispute Tooele treatments
- Deny Herriman specialists
- Limit therapy in Holladay
- Challenge medications
What You Need
- Good doctors
- Clear treatment plans
- Regular appointments
- Medical documentation
- Specialist care
The Money Game
How They Save Money
- Deny valid claims
- Delay payments
- Dispute bills
- Question treatment
- Minimize injuries
Example
Bob’s truck accident on Bangerter Highway left him with $50,000 in medical bills. The insurance company offered $5,000, saying his injuries weren’t from the crash.
Using Your Words Against You
What Not to Say
- “I’m okay”
- “I’m sorry”
- “I think…”
- “Maybe…”
- “I’m not sure…”
Better Responses
- “Talk to my lawyer”
- “I’m getting medical care”
- “I need treatment”
- “Still seeing doctors”
- “Under medical care”
Time Delay Tactics
How They Stall
- “Still investigating” in Park City
- “Waiting for papers” from Ogden
- “Need more info” from Riverton
- “In review” in South Jordan
- “Processing” in Taylorsville
Why They Do It
They hope you’ll:
- Give up
- Take less money
- Get frustrated
- Run out of time
- Go away
Getting Fair Treatment
What You Need
- Good medical care near you
- Clear documentation
- Regular treatment
- Strong evidence
- Legal help
Where to Get Help
- Hospitals throughout Utah
- Clinics in your area
- Specialists nearby
- Physical therapy centers
- Legal support
How We Fight Back
Our Methods
- Know their games
- Protect your rights
- Handle paperwork
- Fight delays
- Get fair payment
What We Do
- Talk to insurance
- Gather evidence
- Build your case
- Handle negotiations
- Fight for you
Local Help Available
We Help People In
- All Wasatch Front cities
- Salt Lake Valley
- Utah Valley
- Davis County
- Weber County
- Summit County
Free Consultation
Call 801-448-6227 if you’re anywhere from:
- Pleasant View to Pleasant Grove
- Park City to Tooele
- Ogden to Orem
- And everywhere in between
Don’t Face Them Alone
Insurance companies have teams of people working against you. Let us help level the playing field. From Brighton to Bluffdale, Farmington to Fountain Green, we know how to handle insurance companies.
Call us at 801-448-6227 before you:
- Talk to insurance
- Give statements
- Sign papers
- Accept offers
- Settle your case
Disclaimer: Every accident is different. Call us to discuss your specific situation and how we can help you deal with insurance companies.
