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Call Us Now 801-833-6133
After a car accident in Ogden, your own insurance pays your first medical bills no matter who caused the wreck. That is how Utah’s no-fault system works. It leaves a lot of people unsure whether they can ever hold the other driver responsible for what the crash cost them. You need to know where that line sits before you sign anything or accept an early settlement offer.
At The Law Offices of Erik L. Mullins, our Ogden car accident lawyer works your case personally from your first call, not through a rotating cast of case managers. You always know where things stand, and what it takes to move past your own coverage and pursue the driver who hit you.
Reach out and walk us through what happened. We can explain what Utah’s no-fault rules mean for your claim.
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Our firm is based in West Jordan, but we represent injured drivers and passengers throughout the Wasatch Front, including Ogden and the rest of Weber County, and we offer virtual consultations so distance is never the reason you go without help. Support is available in Spanish as well. Weber County roads rarely produce the same kind of crash twice, and how your case gets built depends on what happened to you.
Our car accident attorney represents Ogden drivers and passengers after:
If your accident does not fit neatly into one of these categories, contact us anyway. What matters is that you were hurt because someone else was careless behind the wheel.
Utah’s no-fault system pays your first medical bills through your own Personal Injury Protection coverage, but PIP has real limits. It covers a minimum of $3,000 in medical costs and a share of your lost wages, and nothing for your pain and suffering.
If your crash left you with more than that in medical bills, or with a broken bone, a permanent injury, or worse, Utah law lets you step outside PIP and pursue the driver who hit you (Utah Code § 31A-22-309).
Utah is also a modified comparative fault state, which means the amount you can recover shrinks by whatever percentage of blame gets pinned on you, and can disappear completely if you are found half at fault or more. Miss the PIP threshold, or misread how fault gets divided, and you can end up absorbing costs that were never yours to carry.
You do not have to guess where your case falls. Under Utah Code § 31A-22-309, you can pursue the at-fault driver once your medical bills pass $3,000, or if you were left with a broken bone, permanent disability, disfigurement, or worse. Many Ogden crash victims cross that $3,000 mark faster than they expect, especially once an emergency room visit, imaging, and follow-up care are added together.
Weber County car accident claims that clear this threshold, and can’t be resolved with the insurance company are filed in the 2nd District Court in Weber County at 2525 Grant Avenue in Ogden. We review your medical bills and treatment records early in your case, so you know where you stand well before a deadline forces the decision for you.
This information reflects Utah law as of September 2026.
Are you ready to tell us your story? You can do so in a free consultation. Support for Spanish speakers is available. Se habla español.
No lawyer can promise a specific number before reviewing your medical records and the at-fault driver’s insurance coverage. Our firm has recovered more than $9 million for Utah and Arizona accident victims combined, per our firm’s records. Prior results do not guarantee a similar outcome. Attorney Erik Mullins reviews every Ogden case personally, so you have a real attorney’s eyes on your file from the start.
Most personal injury lawyers, including ours, work on contingency, meaning you pay nothing upfront and legal fees only come out of money we recover for you. Ask about the exact fee agreement during your free consultation.
Utah gives you four years from the date of your accident to file a lawsuit against the at-fault driver, under Utah Code § 78B-2-307. That sounds like plenty of time, but evidence disappears and witnesses forget details, so it is best to start building your case early.
Icy roads through Weber Canyon and along I-84 cause a lot of multi-vehicle pileups every winter, and insurance companies love to point to the weather instead of the driver. Utah’s comparative fault rules still expect drivers to adjust their speed and following distance for road conditions. Bad weather does not erase someone’s duty to drive safely.
You are not required to hire a lawyer before accepting an offer, but early settlement offers are almost always lower than what your claim is worth, especially before you know the full extent of your injuries. Once you sign a release, you cannot go back and ask for more, even if your medical bills keep growing.
You do not have to sort out Utah’s no-fault rules on your own, and you do not have to accept the insurance company’s first offer. Contact The Law Offices of Erik L. Mullins to schedule a free consultation with our Ogden car accident lawyer.
Our firm is BBB accredited with an A rating, led by a U.S. Army veteran, and proud to serve Utah’s Black, Latino, and Veteran communities. We offer both in-person and virtual meetings. Se habla español.
They are super attentive and always available!
I am very satisfied with the service of Attorney Erik Mullins and his assistant Gaby.
Very responsive and they listen to their client's needs.
Not a moment I couldn't reach him, always answered my questions.
Great service, they helped me with my entire process.
Attention, accessibility, and results
You choose what’s convenient for you—schedule a free consultation to discuss all your legal options, either virtually or in person.
Erik Mullins leads with empathy, listening to each client’s story and offering compassionate, tailored guidance to ensure they feel heard and supported every step of the way.
At The Law Offices of Erik L. Mullins, every client has direct access to Erik, ensuring support whenever needed. Accessibility is central to his approach, providing clients with confidence and peace of mind.
As a minority-owned firm, The Law Offices of Erik L. Mullins is dedicated to justice and supporting underserved communities, fighting for clients’ rights with compassion and commitment.
For legal support in the aftermath of an accident, contact The Law Offices of Erik L. Mullins today.
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