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We are residents of colorado. While on vacation, we were in a car accident in the state of Utah.
The accident was declared not our fault. The insurance companies are fighting over wether we fall under utah or colorado law for a bodily injury claim.
In Utah your medical must exceed 3000 there is no limit in colorado? is that correct?
We are sorry to hear about your accident. It sounds like you have two questions:
1. What is the jurisdiction of your accident?
A: 99% of the cases that we have seen, the state where the accident actually occured is the state that would have jurisdiction over the dispute. Both, Utah traffic laws and insurance laws would apply.
There are terms in your policy that would make your Colorado Policy adjust to Utah law.
2. There is a Medical bills Limit in Utah, would they apply to this case?
We believe that it would. Utah has $3000 threshold on the medical bills. This means that your medical expenses would have to reach 3,000 before you are entitled to make a bodily injury claim and/or a claim for pain and suffering. If you are close to the threshold, visting the doctor one or two more times will allow you to make this claim.
We hope this helps,
Hector & Casey.
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