• Link to Facebook
  • Link to X
  • Link to LinkedIn Link to LinkedIn Link to LinkedIn
  • English English English en
  • Español Español Spanish es

Call For a Free Consultation: (801) 268-2491

Cockayne Law Firm
  • About Us
    • Chris Cockayne – Attorney
    • Meet The Team
    • About Cockayne Law
  • Practice Areas
    • Car Accident Attorney Utah
    • Truck Accident Lawyer – Utah
    • Bicycle Accident Attorney​ – Utah
    • Motorcycle Accident Attorney Utah
    • Pedestrian Case Attorney Utah
    • Slip And Fall Attorney Utah
    • Dog Bites Attorney Utah
  • Free consultation
  • FAQ
  • El Gallo
  • News & Blog
    • News
    • Blog
  • Areas Served
    • Salt Lake City
    • Kearns
    • Taylorsville
    • Rose Park
    • Magna
    • West Valley City
    • West Jordan
    • Ogden and Weber
    • Provo and Utah County
  • Contact
  • Menu Menu
Chris Cockayne

About Chris Cockayne

Chris Cockayne is a Utah-based personal injury attorney and the founder of Cockayne Law. Chris focuses exclusively on representing victims of car accidents, dog bites, and other injury claims, helping clients recover compensation for medical bills, lost wages, and long-term care. With over 15 years of legal experience, Chris has handled a wide range of personal injury and motor vehicle accident cases and is known for his client-focused advocacy and strong negotiation with insurance companies. Know more about Chris Cockayne or my other social profiles like Avvo | Martindale | lawyers | Findlaw | Yelp | lexinter | Linkedin | Facebook | and  X

Entries by Chris Cockayne

Legal Advice for Motorists Injured in Construction Zone Accidents

November 8, 2024/in News/by Chris Cockayne

Navigating through construction zone accidents can be challenging for any motorist. The combination of narrowed lanes, abrupt detours, reduced speed limits, and unpredictable heavy machinery often increases the risk of […]

Chris Cockayne -Personal Injury and Car Accident Lawyer
Chris Cockayne

Chris Cockayne is a Utah-based personal injury attorney and the founder of Cockayne Law. Chris focuses exclusively on representing victims of car accidents, dog bites, and other injury claims, helping clients recover compensation for medical bills, lost wages, and long-term care. With over 15 years of legal experience, Chris has handled a wide range of personal injury and motor vehicle accident cases and is known for his client-focused advocacy and strong negotiation with insurance companies. Know more about Chris Cockayne or my other social profiles like Avvo | Martindale | lawyers | Findlaw | Yelp | lexinter | Linkedin | Facebook | and  X

Legal Options for Passengers Injured in Rideshare Accidents

November 1, 2024/in News, Car Accident/by Chris Cockayne

Rideshare services like Uber and Lyft have become incredibly popular, making it easier to get around with just a few taps on your phone. However, with more ridesharing vehicles on […]

Chris Cockayne -Personal Injury and Car Accident Lawyer
Chris Cockayne

Chris Cockayne is a Utah-based personal injury attorney and the founder of Cockayne Law. Chris focuses exclusively on representing victims of car accidents, dog bites, and other injury claims, helping clients recover compensation for medical bills, lost wages, and long-term care. With over 15 years of legal experience, Chris has handled a wide range of personal injury and motor vehicle accident cases and is known for his client-focused advocacy and strong negotiation with insurance companies. Know more about Chris Cockayne or my other social profiles like Avvo | Martindale | lawyers | Findlaw | Yelp | lexinter | Linkedin | Facebook | and  X

When Road Defects Contribute to Car Accidents: Who Is Liable?

October 18, 2024/in News, Car Accident/by Chris Cockayne

Roads are meant to connect us, but when they’re not properly maintained, they can become a danger zone for drivers. Potholes, uneven pavement, poor signage, or faulty drainage systems can […]

Chris Cockayne -Personal Injury and Car Accident Lawyer
Chris Cockayne

Chris Cockayne is a Utah-based personal injury attorney and the founder of Cockayne Law. Chris focuses exclusively on representing victims of car accidents, dog bites, and other injury claims, helping clients recover compensation for medical bills, lost wages, and long-term care. With over 15 years of legal experience, Chris has handled a wide range of personal injury and motor vehicle accident cases and is known for his client-focused advocacy and strong negotiation with insurance companies. Know more about Chris Cockayne or my other social profiles like Avvo | Martindale | lawyers | Findlaw | Yelp | lexinter | Linkedin | Facebook | and  X

Can You Lose Your House Due to an At-Fault Car Accident in Utah?

September 6, 2024/in Car Accident, News/by Chris Cockayne

Losing your home because you caused a car accident in Utah, specifically in West Jordan, seems inconceivable, but this outcome is possible. If this is your concern, a consultation with an experienced car accident attorney is sensible. 

The good news is that your house isn’t immediately at risk if you are judged to be at fault in a collision. Utah laws are a bit more nuanced, and in the event of an at-fault car accident in Utah, the likelihood of a lien being placed on your property would depend on the specific circumstances and your insurance coverage. 

In addition, while a judgment lien can be attached to real estate in Utah, that doesn’t necessarily mean you can be forced to sell your home. If you’re concerned about liability in a car accident, an attorney’s advice can be invaluable. 

Read on to explore more.

Understanding Liability Insurance and Damages 

What you can lose due to an at-fault car accident in Utah depends on your auto insurance coverage. 

Utah is one of many states with a no-fault liability system. Here, injured motorists must turn to their own personal injury protection (PIP) insurance to be compensated for medical bills, lost income, and other expenses—and this is the case no matter who is to blame for a car crash.

A claim against you is only possible if the damages exceed the PIP limit. In that scenario, however, whether your home might be at risk hinges on the liability limits on your insurance policy. In Utah, the minimums effective January 1, 2025, are: 

  • $30,000 in bodily injury liability per person or $65,000 per accident 
  • $25,000 in property damage liability per accident 

If you haven’t extended your coverage, that’s the amount you can expect your insurance provider to pay. Should damages resulting from a West Jordan car crash go beyond that, you could face a lawsuit, as an injured motorist could sue you to recover the remainder.

If you are found to be at fault and unable to pay, a lien may be placed on your property – and if you don’t satisfy the debt, the court may agree to enforce the lien, resulting in a forced sale of your home.

A seasoned car accident in Utah attorney can protect your rights and interests, but that could be the result if you happen to be underinsured. 

What Happens If Damages Exceed Your Insurance Limits? 

If the at-fault driver’s policy doesn’t cover your damages completely, you have alternative options.  

Consult with a personal injury attorney at the first possible.  

They will be able to go over your options with you. Your attorney can advise you or handle a denied claim and identify individuals that share blame in a claim. You Can File Under Your Own Insurance Coverage.

Whether you have this choice will depend on what kinds of insurance policy you have: Uninsured/Underinsured Motorist Coverage (UM/UIM) if the negligent party that caused the wreck lacks sufficient insurance coverage for your injury.  

The more, the merrier in UM/UIM. It’s just a smart, cost-efficient thing to get, so you don’t wind up liable to pay for medical treatment you shouldn’t be responsible for after the fact. In Utah, you might have PIP insurance, which helps cover a portion of medical expenses and wages, regardless of who is at fault for the wreck.  

Note: Pursuing your insurance carrier might not be in your best interest if it increases your premiums depending on what type of insurance you have, however. There may be other negligent parties. The driver might have been on the clock during the course of the incident.  

(Their company may be responsible.) The vehicle the driver was driving might have been manufactured with a defective part.  

(The company that built the car can be liable). If roads themselves contributed to the wreck, a government agency would. We examine all aspects of a crash to find everybody accountable to pursue the most appropriate compensation from a client. Who was awarded compensation for the pain and suffering, and what did it include?  

The at-fault driver may not have enough – or sufficient – insurance but can still afford to compensate you. If you owe health care claims as well as have a medical lien (money your healthcare company wants in repayment for medical care), your lawyer may also be capable of facilitating the negotiation as well. 

Protection from the Utah Homestead Act 

In Utah, homeowners who are at fault in a car crash can often keep their property from being sold thanks to a homestead exemption. 

If your insurance is exhausted, the injured motorist must first win a lawsuit against you to attach a lien to your home. A judgment of lien could result in a foreclosure situation if the debt remains unpaid, but for that to happen, the motorist must ask the court to order you to pay.

The court could order a forced property sale, but as an experienced car accident attorney in Utah would tell you, the state’s homestead act may offer protection. 

Under Utah law, a portion of your equity in the home you live in isn’t touchable to satisfy a court judgment. That being so, it isn’t likely that you will lose your home due to an accident.

You might be ordered to liquidate other assets, though, and it’s worth noting that a judgment lien will remain attached to your home for eight years. So, if you were to sell during that period, you would have to pay the amount you owe to the lienholder from the proceeds. 

Can a Judgment Lien Be Put on Your House? 

Having a lien on your home can lead to different outcomes, ranging from a small problem to something more serious, like having to sell your home. 

In case a lien is placed on your home, you will most likely encounter one or all the following:  

  • Sale: Depending on the kind of lien and depending on your local regulations, the entity placing the lien on your property may decide to sell your property in case you fail to repay the debt.  
  • Impact on credit rating: Lien information is regarded as unpaid debts by credit bureaus; thus, your credit rating may be affected negatively. 
  • Trouble selling or refinancing: It might be harder to sell or get a loan for your home if there’s a lien. Most buyers want to see that the home has a clear title, and lenders are less likely to offer a loan if the home could be taken away. 
  • Priority in payments: If you sell your home with a lien, the money from the sale will go to pay the lien first, and then you’ll get what’s left. 
  • Interest charges: Some liens add interest over time, so the amount you owe might keep growing until you pay it off. 

Other Assets You Could Lose After an At-Fault Accident  

If you get into a car accident where you are at fault, and you are sued, your insurance company will represent you as far as your insurance coverage goes. But, if the damages are greater than the insurance covers, then you will probably be forced to pay the additional amount personally.

This is what you could be facing: 

  • Insurance defense: Your insurance company will hire an attorney to represent you in court, and they will pay your legal fees to the maximum extent that your policy coverage allows.  
  • Exceeds limit judgment: If the court rules that you must pay more than the insurance policy covers, you will personally pay that amount.  
  • Lien on assets: The court can rule that the injured party will be able to seize any of your assets or possessions to cover the debt.  
  • Wages: The court could rule that a portion of your earnings are garnished until the debt is paid.  
  • Settlement negotiations: Your attorney may attempt to negotiate a settlement without going to trial. 
  • Umbrella policy coverage: If you have an umbrella policy, it may give additional coverage beyond your standard automobile insurance policy coverage. 

How Much Home Equity Is Protected Under Utah’s Homestead Exemption?  

Utah’s homestead exemption protects up to $53,700 in home equity for single filers and up to $107,400 for married couples filing jointly. This applies to your primary residence and is calculated by subtracting your mortgage balance and other liens from the total market value of the home.  

How Exemption Protects You  

  • Equity Protection: The exemption protects your equity, not the full value of your home. For example, your home is worth $300,000, and you owe $200,000, and then your equity is $1000,000.  
  • Bankruptcy Rules: If your equity falls below the exemption, then the trustee cannot sell your home to pay unsecured creditors.  
  • Non-Primary Residence: If the property is real estate and not your primary residence (such as a vacant lot or rental), the exemption drops to a maximum of $6,400 per owner.  

Do You Need a Car Accident In Utah Attorney if You’re at Fault for a Crash? 

Your insurance provider may hire an attorney and defend your rights, but only if they believe doing so would be worthwhile. 

To protect yourself, contacting a well-qualified car accident attorney is the right step to take after a collision where you may be at fault. Skilled legal professionals understand the ins and outs of every Utah law regarding car crashes, negligence, fault, and liability.

The right lawyer will be able to draw on years of experience in assessing the situation. After working with clients in similar circumstances, they’ll be prepared to handle your legal proceedings. 

Consulting with an experienced car accident attorney is the best course of action, even when you’re to blame for a collision, as they will be eloquent in court. With a lawyer who specializes in collision-related cases, the outcome will be much better than what you might expect if you represent yourself. 

Contact Cockayne Law for a Free Consultation Today 

If you’ve been in a car crash and you believe you were at fault, Chris Cockayne of Cockayne Law is here to help. Whether you’re intimidated at the thought of talking to insurance adjusters, need expert help facing a lawsuit, or can’t bear the idea of losing your home due to an at-fault car accident in Utah, an attorney with proven experience is what you need. 

Contact Cockayne Law, and our highly skilled legal team will review your case and advise you on next steps. For a free, no-obligation consultation with one of the experienced car accident attorneys in West Jordan, Utah, contact our law office today. 

FAQ - Frequently Asked Questions

Under what circumstances can an individual sue me following a car accident in Utah?





Utah law has a statute of limitations that imposes a strict time limit. The period for filing a suit on a normal personal injury car accident case would be four years, starting from the date of the car accident. 

Will I risk losing my home if the judgment in the lawsuit is higher than the coverage limit of my insurance?





Yes, you may risk losing your house if the judgment exceeds the insurance coverage limit. If the judgment is more than the coverage limit, then the court may go ahead to seize all your unsecured property, including your house, other property, bank account, and wages in the future. 

What happens if I cause a serious accident and my insurance is not enough?





When your insurance limits are exhausted, you remain personally responsible for the remaining balance of the damages. The injured parties can sue you for the “excess”, which may put your personal assets, savings, and future earnings at serious risk.  

How does umbrella insurance protect my home after a car accident?





Umbrella insurance protects your home by providing excess liability coverage. If you cause a severe car accident and are sued for damages exceeding your standard auto insurance limits, the umbrella policy pays the remaining balance.   

What assets can be at risk after an at-fault car accident lawsuit?





Personal assets are at risk if an at-fault car accident lawsuit yields damages that exceed your liability insurance coverage limits. In such scenarios, the injured party can pursue a legal judgment against your personal wealth to recover the remaining balance.

Chris Cockayne -Personal Injury and Car Accident Lawyer
Chris Cockayne

Chris Cockayne is a Utah-based personal injury attorney and the founder of Cockayne Law. Chris focuses exclusively on representing victims of car accidents, dog bites, and other injury claims, helping clients recover compensation for medical bills, lost wages, and long-term care. With over 15 years of legal experience, Chris has handled a wide range of personal injury and motor vehicle accident cases and is known for his client-focused advocacy and strong negotiation with insurance companies. Know more about Chris Cockayne or my other social profiles like Avvo | Martindale | lawyers | Findlaw | Yelp | lexinter | Linkedin | Facebook | and  X

Why Is My Car Accident Settlement Taking So Long?

July 19, 2024/in Car Accident/by Chris Cockayne

If you were injured in a collision caused by someone else, the road to recovery may be a long one. As you may know, working with an experienced West Valley […]

Chris Cockayne -Personal Injury and Car Accident Lawyer
Chris Cockayne

Chris Cockayne is a Utah-based personal injury attorney and the founder of Cockayne Law. Chris focuses exclusively on representing victims of car accidents, dog bites, and other injury claims, helping clients recover compensation for medical bills, lost wages, and long-term care. With over 15 years of legal experience, Chris has handled a wide range of personal injury and motor vehicle accident cases and is known for his client-focused advocacy and strong negotiation with insurance companies. Know more about Chris Cockayne or my other social profiles like Avvo | Martindale | lawyers | Findlaw | Yelp | lexinter | Linkedin | Facebook | and  X

How Much Does Car Insurance Go Up After an Accident?

July 5, 2024/in Blog, Car Accident/by Chris Cockayne

If you or any of your loved ones have been involved in a car accident in Utah recently, let me warn you that your insurance premium may increase. But there is no fixed percentage that will be applicable to every Utah driver. 

However, the exact amount your premiums increase after an accident depends on several factors, including comparative fault, accident severity, and your driving history. Then, your insurer’s rating rules and whether you have accident forgiveness or not will also impact your car insurance.

If you were not at fault, Utah law restricts your insurance company from raising your monthly premium because of the motor-vehicle claim. Utah Code §31A-19a-212 specifically prohibits premium increases for insurance-covered vehicle claims when the insured was not at fault.

This article explains how much car insurance premiums can increase after an accident and what Utah law says about not-at-fault car accidents.

Does Car Insurance Always Increase After Accidents? 

No, not every car insurance premium amount increases after a road accident. Insurers first consider important factors, like comparative fault, claim history, your driving record, and more. 

Your location, coverage, and the insurer’s underwriting and rating rules also affect your premiums. Utah’s Insurance Department also lists your driving record, claims history, location, vehicle, coverage limits, deductibles, mileage, and other risk factors.

At-Fault vs. Not-at-Fault Accidents in Utah 

Here’s a quick breakdown of how different accident situations may affect your insurance in Utah.

Situation

Quick Answer

You were completely at fault

Yes, an increase may occur

You were not at fault 

Utah law will prohibit a premium increase as per your motor-vehicle claim

Fault is disputed 

The effect may depend on how fault is ultimately determined 

You share some fault 

The consequences can differ based on the facts and applicable insurance rules 

Hit-and-run 

It will depend on the circumstances, like your available coverage, and whether you are considered at fault or not 

Utah law particularly provides specific protection to drivers who were not responsible for a crash. This protection is applicable in both situations, such as when a policy is issued and when it is renewed.

How Much Does Insurance Increase After An At-Fault Accident?

There is no Utah-wide surcharge that applies to every driver after an accident. National studies provide useful context, but they should not be treated as a guaranteed Utah rate. 

For example, the American Automobile Association (AAA) reported in July 2026 that a LendingTree analysis of January 2026 rate data found an average 45% increase in full-coverage premiums after an at-fault accident involving significant property damage.

Example

For example, a driver currently pays $2,000 per year for full-coverage insurance. A 45% increase would add approximately $900 per year and would bring the annual premium to about $2,900.

But let me be clear that it does not mean every Utah driver will see an exact 45% increase. Your actual premiums will depend on your insurer, policy, vehicle, location, claims history, and other rating factors.

What Determines How Much Your Insurance Goes Up?

Well, there’s no specific rate increase you will see after an accident. This is because every insurance company uses its own risk assessment model and underwriting to determine how much your insurance will increase. 

Several factors can affect how much your premium changes after an accident:

  • Who Was At Fault?

Fault is one of the most important factors in determining your premium increase. If an accident has happened because of your fault, your premium can go up because your insurer will see your claim as an indicator of future accident risk.

However, if you were not at fault during an accident, Utah law will protect your rights. This protection applies when a policy is issued and when it is renewed.

  • How Serious Was the Accident?

The severity and cost of an accident’s damages also affect the potential increase in your premium. A collision involving vehicle damage or injuries can result in a much larger claim than a minor fender bender.

For national context, a 2026 LendingTree analysis cited by AAA found that an at-fault accident involving significant property damage increased full-coverage premiums by an average of 45%. But it is a national average, not a guaranteed Utah increase for an individual driver.

  • How Much Did the Claim Cost?

The amount that is paid on a claim plays an important role when your insurer evaluates the accident. A claim that involves a few thousand dollars in property damage may be viewed differently from one which involves extensive repairs or multiple vehicles.

However, you cannot calculate your future premium simply by looking at the claim amount, because insurance companies use their own rating systems and other factors that affect the final price.

  • Did Anyone Suffer Injuries?

Road accidents are already terrifying, but when serious injuries are involved, it also makes an accident claim more complicated. A crash that involves medical treatment, lost income, or other financial losses will involve more than the cost of repairing a vehicle.

However, the presence of an injury does not create a fixed insurance surcharge. Your premium is determined under your insurer’s applicable rating rules. Questions about compensation for injuries are handled separately from the question of how your future premium is calculated.

  • Do You Have Previous Claims?

Your insurance company can review your previous accident claims and overall driving history when assessing your risks and determining your future premiums. For example, if a driver has a clean driving record, he will have a different insurance profile from someone who has a reckless driving record.

This is one reason there is no reliable way to promise a particular premium increase without knowing the driver’s circumstances and insurance policy.

  • Do You Have Accident Forgiveness?

Accident forgiveness can affect what happens to your premium after a qualifying accident. Some insurers offer this coverage only to eligible drivers that potentially prevent the usual rate increase after a first qualifying accident.

However, the rules can be different from one insurer to another. Some policies require drivers to meet certain eligibility conditions, and the coverage may need to be in place before the accident occurs.

  • What Does Your Insurer’s Rating System Allow?

Every insurance company has its own rating practices and underwriting rules. Two insurers may respond differently to the same accident claim.

The Utah Insurance Department notes that several auto insurance factors can affect what drivers pay for their insurance premiums, and these factors can even be unrelated to the accident, such as changes in your coverage, vehicle, location, or other rating factors.

This is why your renewal notice is important. If your premium changes after an accident, ask your insurer to explain what caused the increase rather than assuming that the entire change came from the accident itself.

Can Your Insurance Go Up If You Were Not at Fault in Utah?

Utah law prohibits a premium increase based on your motor-vehicle claim when you were not at fault. If you believe your premium increased because of a crash for which you were not responsible, you can review your renewal documents and ask the insurer to explain the reason for the increase. 

Try to preserve documentation showing how the accident was reported and how fault was determined. A rate change can have causes unrelated to the individual accident, including broader rating factors.

Does Filing a PIP Claim Increase Your Insurance in Utah?

According to Utah Code §31A-22-307, Utah is a no-fault auto insurance state, and it means all car drivers generally turn first to their own personal injury protection (PIP) coverage to recover their qualifying medical expenses after an accident, regardless of who caused the accident. Utah requires every driver to have minimum PIP coverage of $3,000.

But you need to understand that filing a PIP claim and being at fault for an accident are not the same thing. Whether a PIP claim affects your future premium depends on your circumstances, your insurer’s rating practices, and applicable Utah rules. Therefore, you should not assume that using your PIP coverage means you caused the accident.

What If Both Drivers Share Fault? 

Shared fault can affect an accident claim differently from the way it affects insurance pricing. Utah’s comparative-fault law addresses how fault can affect recovery in a civil claim. 

According to Utah Code §78B-5-818, a person seeking compensation may recover when the combined fault of the defendants and certain other parties exceeds the person’s own fault, subject to the statutory rules.

Some accidents are not as simple as one driver being completely responsible and the other being completely innocent. When both drivers may have contributed to a crash, the insurer may investigate the evidence before determining responsibility for the claim.

Evidence

If fault is disputed and the accident caused significant injuries or losses, you can speak with a Utah car accident attorney who can help you understand how the available evidence may affect your claim. Important evidence can include:

  • Police reports
  • Photographs and video
  • Statements from drivers and witnesses
  • Vehicle damage
  • Traffic citations
  • Available accident reconstruction evidence

It is important to separate insurance pricing from legal liability because the determination of fault for an insurance claim does not answer every question about a driver’s potential compensation in a personal injury case.

What Should You Do If Your Insurance Rate Increases After an Accident? 

If your renewal premium increases after an accident, do not assume that the accident is the only reason. Take these steps immediately to understand the math: 

  • Check Your Renewal Notice

Check your new premium notice, effective date, and any information explaining the change.

  • Ask the Insurer What Caused the Increase

Ask whether the increase is related to the accident, another claim, a change in coverage, or another rating factor. 

  • Confirm How Fault Was Recorded

If you believe you were not responsible for the accident, ask your insurance company how fault was recorded in the claim. 

  • Review Accident Forgiveness

You should carefully read your insurance policy terms to see whether you have accident-forgiveness coverage or not and whether the recent accident qualifies for it or not. 

  • Compare Quotes

Utah’s Insurance Department advises consumers to compare premiums because prices can differ among insurance companies. 

  • Get Legal Advice If the Crash Also Caused Injuries

A premium increase is only one possible financial consequence of a serious crash. If you suffered injuries, lost income, or significant expenses because another driver’s actions caused the accident, you may have questions about compensation beyond your insurance premium.

When Is the Right Time To Talk to a Utah Car Accident Lawyer?

A car accident can create questions that go beyond whether your insurance premium will increase or not. If you were injured or the other driver disputes responsibility, you should turn to a car accident attorney to understand your rights and legal options. 

Knowing that is essential when an insurance company denies your claim or you are facing difficulty obtaining your benefits. At Cockayne Law, we help Utah accident victims pursue compensation for injuries and other losses when another party may be responsible. 

If you are dealing with an insurance issue after an accident, bring your accident report to our office. 

Our experienced attorneys will thoroughly analyze your insurance information, medical records, and other relevant documents before taking any further steps.

Conclusion

Road accidents are common in Utah, but that does not mean every car insurance premium will automatically increase. If you were at fault, your premium may increase. But the amount will depend on your insurer, the severity and cost of the accident, your driving and claims history, and whether you have accident forgiveness.

Utah law protects insured drivers from a premium increase based on their covered motor vehicle claim when they were not at fault. If your insurance rate changes after an accident, you should review your renewal notice and ask your insurer what caused the change.

If the accident also left you with injuries, medical bills, lost income, or other financial losses, the insurance premium is only one part of the situation. At Cockayne Law, we help Utah accident victims understand their legal options and pursue compensation when another party may be responsible.

FAQ - Frequently Asked Questions

How long does an accident affect your insurance rate?





There is no single period that applies to every driver. An at-fault accident may affect your insurance rate for several years, but the exact period depends on the insurer, the driver’s history, the accident, and applicable insurance rules.

Does a minor accident increase insurance rates?





Minor accidents do not automatically result in a higher premium. The effect can depend on whether you were at fault, the amount of the claim, your previous driving and claims history, your insurer, and whether your policy includes accident forgiveness or not.

Can accident forgiveness prevent a rate increase?





Accident forgiveness may prevent an eligible accident from causing the usual premium increase. But it is not included automatically in every policy.

Can I change my insurance company after an accident?





You can compare quotes from other insurers at renewal. Different companies may evaluate the accident and its claims history differently, so the premium they offer will also vary.

Chris Cockayne -Personal Injury and Car Accident Lawyer
Chris Cockayne

Chris Cockayne is a Utah-based personal injury attorney and the founder of Cockayne Law. Chris focuses exclusively on representing victims of car accidents, dog bites, and other injury claims, helping clients recover compensation for medical bills, lost wages, and long-term care. With over 15 years of legal experience, Chris has handled a wide range of personal injury and motor vehicle accident cases and is known for his client-focused advocacy and strong negotiation with insurance companies. Know more about Chris Cockayne or my other social profiles like Avvo | Martindale | lawyers | Findlaw | Yelp | lexinter | Linkedin | Facebook | and  X

When to Consult a Lawyer for a Truck Accident

April 19, 2024/in Blog/by Chris Cockayne

Were you injured in a collision with a semi-truck, tractor-trailer, or other big rig? A lawyer for a truck accident in Kearns, Utah, may not be the first person you call, but you should absolutely talk to a legal professional soon.

Right now, your number one priority should be to get better. However, depending on the nature of your injuries, the total cost of medical treatment for your injuries could amount to tens of thousands of dollars or more, and if you didn’t cause the collision, the expense shouldn’t be your responsibility.

Being on the fence about hiring a lawyer for a truck accident is certainly understandable, but discussing your situation with an experienced legal professional is a good idea. Most attorneys who specialize in this area of law offer free initial consultations, allowing you the opportunity to get advice without any obligation and know what to ask a truck accident lawyer at your initial consultation.

As for when to consult a lawyer for a truck accident, sooner is better than later. Take a look at the following to learn more.

When Truck Accident Victims Schedule Legal Consultations

Since you’re reading this, we’re guessing you haven’t contacted a lawyer for a truck accident yet. In our experience, many people in your position don’t think to take the step unless faced with one of these situations:

Severe Injuries

After any sort of motor vehicle accident, many victims don’t want to make a big deal out of the incident or their injuries. Instead of calling an attorney, they decide to hang tough.

If you were hurt badly enough that you needed an ambulance ride to the emergency room – or if you’ve realized that your injuries are getting worse – you could benefit from the expertise of a skilled lawyer for a truck accident. While medical professionals can help guide your recovery, you may need the help of an experienced legal professional to obtain compensation for all of your losses.

Increasing Frustration

Trying to deal with the aftereffects of an accident can be incredibly stressful. Despite this, many injured victims do their best to weather the storm on their own.

Being injured in a collision with a tractor-trailer, 18-wheeler, semi-truck, or other big rig triggers a flood of phone calls from insurance adjusters. They all want you to answer questions and give statements, and saying the wrong thing could compromise your case, which is why car accident lawyers offer tips on talking to insurance adjusters.

The pressure can be monumental, and that’s not what you need when you’re recovering. Working with a truck accident lawyer Utah will make your life easier.

Financial Difficulties

Any motor vehicle accident has the potential to result in major expenses, especially if you are injured in a multi-vehicle car accident. And some injured victims don’t really appreciate the costs involved until the bills begin to roll in.

As we mentioned above, your medical treatment could run to tens of thousands of dollars or more. Damage to your vehicle and other property might also add up to a tidy sum, and if your injuries have left you unable to work, finding the funds to stay afloat could be a challenge. Rather than sacrificing your financial stability, look to a lawyer for a truck accident to end your worries about accident-related expenses.

Why You Shouldn’t Wait to Call a Truck Accident Lawyer

The moment you think you might benefit from having legal assistance is the moment to get in touch with a truck accident lawyer. Waiting until you’re better prepared to deal with the situation would be ideal, but that approach puts your claim at risk. Here’s why:

Deadlines

Navigating the accident claims process can take a good deal of time, especially if you are wondering why your car accident settlement is taking so long. And although many cases are resolved through settlement negotiations, sometimes filing a lawsuit is the only way to secure a fair payout. In Utah, injured victims have just four years to bring a claim to court, and the time limit for property damage claims is only three years. If you wait too long to consult a lawyer for a truck accident, you could lose out on money you not only need but also deserve.

Evidence

In order to get the full amount of compensation you’re entitled to after a truck accident, you’ll need to prove that someone else caused the collision, highlighting the importance of timely evidence collection after a car accident. You also need evidence that definitively reveals the severity of the injuries you suffered. However, to obtain certain potentially crucial forms of proof – like electronic logs, in-cab video data, and the results of drug and alcohol testing – you might need the expertise of a skilled Kearns lawyer for a truck accident who understands how federal trucking regulations impact your accident claim in Utah.

Outcome

While every accident claim is unique, research has shown that injured victims who work with attorneys get a much greater amount of compensation than those who go it alone. Many local lawyers – including Chris Cockayne here at Cockayne Law – have years of experience and a vast pool of knowledge to draw on. That boosts the likelihood of a favorable case outcome, but time is also needed. As such, the sooner you consult a lawyer for a truck accident, the better your chances of securing the average settlement for a semi truck accident or more.

Contact an Experienced Legal Professional Today

If you’ve been seriously hurt in a collision with a semi-truck, 18-wheeler, tractor-trailer, or other big rig, Chris Cockayne is ready to fight for your right to compensation. For a free, no-obligation consultation with a highly rated truck accident lawyer in Kearns, Utah, contact a personal injury lawyer Kearns at Cockayne Law today.

Chris Cockayne -Personal Injury and Car Accident Lawyer
Chris Cockayne

Chris Cockayne is a Utah-based personal injury attorney and the founder of Cockayne Law. Chris focuses exclusively on representing victims of car accidents, dog bites, and other injury claims, helping clients recover compensation for medical bills, lost wages, and long-term care. With over 15 years of legal experience, Chris has handled a wide range of personal injury and motor vehicle accident cases and is known for his client-focused advocacy and strong negotiation with insurance companies. Know more about Chris Cockayne or my other social profiles like Avvo | Martindale | lawyers | Findlaw | Yelp | lexinter | Linkedin | Facebook | and  X

What Does a Car Accident Lawyer Do?

April 5, 2024/in Car Accident/by Chris Cockayne

When faced with a difficult situation, you need advice from someone who understands how to help – and if you’re dealing with injuries resulting from a car crash in Taylorsville, […]

Chris Cockayne -Personal Injury and Car Accident Lawyer
Chris Cockayne

Chris Cockayne is a Utah-based personal injury attorney and the founder of Cockayne Law. Chris focuses exclusively on representing victims of car accidents, dog bites, and other injury claims, helping clients recover compensation for medical bills, lost wages, and long-term care. With over 15 years of legal experience, Chris has handled a wide range of personal injury and motor vehicle accident cases and is known for his client-focused advocacy and strong negotiation with insurance companies. Know more about Chris Cockayne or my other social profiles like Avvo | Martindale | lawyers | Findlaw | Yelp | lexinter | Linkedin | Facebook | and  X

What Is an Auto Accident Lawyer?

March 8, 2024/in Blog/by Chris Cockayne

An auto accident lawyer plays a pivotal role in protecting the rights of injured victims. After a car crash in Magna, Utah, it’s normal to feel overwhelmed. The physical pain […]

Chris Cockayne -Personal Injury and Car Accident Lawyer
Chris Cockayne

Chris Cockayne is a Utah-based personal injury attorney and the founder of Cockayne Law. Chris focuses exclusively on representing victims of car accidents, dog bites, and other injury claims, helping clients recover compensation for medical bills, lost wages, and long-term care. With over 15 years of legal experience, Chris has handled a wide range of personal injury and motor vehicle accident cases and is known for his client-focused advocacy and strong negotiation with insurance companies. Know more about Chris Cockayne or my other social profiles like Avvo | Martindale | lawyers | Findlaw | Yelp | lexinter | Linkedin | Facebook | and  X

Car Accident Lawyers Offer Tips on Talking to Insurance Adjusters

February 28, 2024/in Car Accident, Tips & Ideas/by Chris Cockayne

Has a car wreck in Kearns, Utah, left you with serious injuries? Hiring an experienced car accident lawyers would be well-advised, as doing so boosts the odds of success with […]

Chris Cockayne -Personal Injury and Car Accident Lawyer
Chris Cockayne

Chris Cockayne is a Utah-based personal injury attorney and the founder of Cockayne Law. Chris focuses exclusively on representing victims of car accidents, dog bites, and other injury claims, helping clients recover compensation for medical bills, lost wages, and long-term care. With over 15 years of legal experience, Chris has handled a wide range of personal injury and motor vehicle accident cases and is known for his client-focused advocacy and strong negotiation with insurance companies. Know more about Chris Cockayne or my other social profiles like Avvo | Martindale | lawyers | Findlaw | Yelp | lexinter | Linkedin | Facebook | and  X

Page 9 of 11«‹7891011›»

Recent Posts

  • 10 Insurance Company Tactics in Utah And How to Respond
  • Statute of Limitations in Utah: Deadlines for Personal Injury and Civil Claims
  • Severe Burn Injury Claims: Compensation and Legal Rights
  • Amputation Injury Compensation: How Much Is Your Claim Worth?
  • Catastrophic Injury: Complete Legal Guide for Victims

Search

Search Search

About Us

Cockayne Law is a Utah personal injury law firm helping accident victims pursue justice and compensation for their injuries.

Contact for help

Contact Us

As Heard On…

Raza Radio
Latino FM
Radio FM

Kber Live Station
Utah Beat
FM Radio

Practice Areas

Car Accidents 
Truck Accidents
Dog Bites 
Motorcycle Injuries 
Bicycle Accident Attorney Utah
Pedestrian

CONTACT INFO

West Jordan Location:
6671 S Redwood Rd Ste 110, West Jordan, UT 84084, United States
(801) 268-2491

Orem Location:
574 E 1400 S, Orem, UT 84097, United States

Ogden Location:
2650 Washington Blvd, Ogden, UT 84401, United States

Office Hours:
24 Hours Available

BLOG

  • 10 Insurance Company Tactics in Utah And How to Respond September 30, 2026
  • Statute of Limitations in Utah: Deadlines for Personal Injury and Civil Claims September 28, 2026
  • Severe Burn Injury Claims: Compensation and Legal Rights August 10, 2026

Quick Links:

Privacy Policy
Visitor Sitemap

 

Contact info

Email:

  admin@cockaynelaw.com

© Copyright - Cockayne Law | Site by Utah Boost
  • Link to Facebook
  • Link to X
  • Link to LinkedIn Link to LinkedIn Link to LinkedIn
Scroll to top Scroll to top Scroll to top
  • (801) 268-2491

Schedule 100% Free Consultation in Salt Lake City, UT

Fill out the form below with your desired date and we’ll be in touch shortly to schedule your consultation.
  • English
  • Español