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Utah Injury Case Results

Every law firm website says it recovers money for clients. Almost none of them show the arithmetic. These Utah injury case results come from William Enoch Andrews himself, published in his free book on Utah car accident claims, with the insurance coverage behind each one.

They carry their dates and their policy limits, because that is the only way a result means anything. A settlement figure on its own tells you nothing. A settlement figure next to the limits that produced it tells you whether the claim was pushed for everything it had.

One pattern runs through nearly all of them, and it is the most useful thing on this page. In almost every case the recovery matched the limits of two separate policies stacked together. Finding the second policy was the work.

Call William Andrews at (801) 322-4878 to talk about your own claim. The review is free.

What These Utah Injury Case Results Actually Show

Read the second line of each entry rather than the first. The headline figure is the outcome. The line beneath it names the policies that paid, and that line is where the work happened.

William Andrews Injury Attorney builds claims by finding every policy that applies before negotiating with any of them. A claim handled as a single conversation with the at fault driver's insurer stops at that insurer's limit. A claim handled as a search for coverage frequently does not.

A $1M liability policy and a $50k policy paying together. A $100k policy and another $100k policy. A $100k policy and a $25k policy. That pairing appears again and again in the list below.

The second policy is usually underinsured motorist coverage sitting on the injured person's own policy. It exists precisely for the situation where the at fault driver's insurance runs out before the injuries do, and it is routinely forgotten by people handling their own claims. Our page on being hit by an uninsured driver explains how that coverage works.

Where an entry says maximum amounts, the insurer paid the full limit available under that policy. There was nothing further to recover from it.

That distinction matters when comparing results. A $125,000 recovery against $125,000 in available coverage is a complete result. A $125,000 recovery against $500,000 in available coverage is an unfinished one. The figures alone cannot tell those apart, which is why the limits are printed here.

Published Utah Injury Settlement Results

These eleven results appear in Chapter 19 of 8 Wrong Turns That Will Wreck Your Utah Car Accident Case, published in 2016. They are reproduced here as published.

A wrongful death claim arising from a car accident resolved at $1,050,000, representing the maximum amounts available from two insurance policies, one at $1 million and one at $50,000.

That result illustrates the ceiling problem more clearly than any other entry. The family did not recover what the loss was worth. They recovered every dollar that existed to be recovered, which is a different achievement and the only one available once coverage runs out.

Why a Wrongful Death Claim Is Not Capped by Statute

Utah's constitution addresses this directly. Article XVI, Section 5 provides that the amount recoverable for injuries resulting in death shall not be subject to any statutory limitation, which sits above ordinary legislation.

The practical limit in that case was therefore not a legal one. It was the amount of insurance that existed, which is a different constraint entirely and one that no court can lift.

A car accident requiring neck surgery resolved at $200,000, from two policies of $100,000 each. A car accident requiring both knee surgery and back surgery resolved at $200,000, again from two policies of $100,000 each.

Two further car accidents requiring neck surgery each resolved at $150,000, in both cases from a $100,000 policy paired with a $50,000 policy. Two more neck surgery cases resolved at $125,000 each, from a $100,000 policy paired with a $25,000 policy.

A car accident requiring shoulder surgery resolved at $75,000, from a $50,000 policy and a $25,000 policy. A car accident requiring minor hand surgery resolved at $53,100.

What the Repeated Neck Surgery Entries Have in Common

Four of the eleven results involve neck surgery, and they resolved at $200,000, $150,000, $150,000 and $125,000. The injuries were comparable. The recoveries were not.

The variable in each case was the coverage stack, not the surgery. A $100,000 policy paired with another $100,000 policy produced twice what a $100,000 policy paired with a $25,000 policy did. Same injury, same procedure, and a different answer decided years earlier by what each person selected on their own policy.

A motorcycle accident requiring surgeries resolved at $125,000, from a $100,000 policy and a $25,000 policy.

Motorcycle claims carry a complication those figures do not show. Utah does not require personal injury protection on a motorcycle and PIP does not cover riders, so an injured motorcyclist has no no-fault medical benefit while the liability claim proceeds. Our motorcycle accident page covers what that changes.

A dog bite case resolved at $70,000. Utah Code section 18-1-1 makes a dog's owner liable for injuries the animal causes, and these claims are usually made against the owner's homeowner insurance rather than any auto policy.

Why These Results Carry a 2016 Date

Publishing results without dates is common and it is misleading. These figures come from a book published in 2016, and they are labeled that way here so nobody reads them as a current year summary.

The age of the figures does not weaken the lesson in them. Coverage stacking worked the same way then as it does now, and the pattern of two policies paying together is if anything more relevant today.

Utah raised its minimum liability limits for policies issued or renewed on or after 1 January 2025, to $30,000 per person and $65,000 per accident. The floor was lower when several of these claims resolved.

That change moves the numbers slightly but not the structure. A minimum limits policy still exhausts quickly against a surgical injury, and the second policy still decides how far past that the claim can reach.

Ask what the available coverage was. A result quoted without its limits cannot be assessed, because there is no way to tell a maximized claim from an underperforming one.

Ask about the date as well. Figures from a decade ago describe a different insurance market, and a firm publishing undated numbers is making a choice about what you can work out.

What William Andrews Says About Results

His own disclaimer accompanies these figures in the book, and it is reproduced here in full because it is the honest framing.

Every case is different and depends upon many factors, including but not limited to, liability, causation, damages, injuries, coverage, treatment, age, gender, health, and others. He does not guarantee the outcome of any injury case.

Nothing on this page predicts what your claim is worth. Two people with identical injuries can recover very different amounts because the coverage behind them differs, the fault picture differs, or the medical documentation differs. Our page on what a Utah injury case is worth explains which of those factors actually move the number.

William talks through the same point in this short video. One chance, one claim, and a set of decisions that are hard to undo later.

Every result on this page was recovered under Utah law, and the rules that shaped those numbers are public. Each link below opens the current text of the provision named.

Two of them explain the pattern in the figures. Utah Code 31A-22-305 and 31A-22-305.3 create the uninsured and underinsured coverage that sits behind a driver's own policy, which is why several of these recoveries reached past a single policy limit. William Andrews reads the coverage before he negotiates, and that order of operations is what these numbers reflect.

Utah Code 31A-22-305, uninsured motorist coverage carried on a claimant's own policy

Utah Code 31A-22-305.3, underinsured motorist coverage and when it becomes available

Utah Code 31A-22-307, personal injury protection, the first money paid after most Utah crashes

Utah Code 78B-5-818, comparative fault, which reduces a recovery by the claimant's own share

Utah Constitution article XVI section 5, wrongful death damages, which no statute may limit

Utah Courts, how a Utah civil case proceeds if a claim does not settle

Utah Insurance Department, consumer guidance on Utah auto coverage

Talk With William Andrews About Your Own Utah Injury Claim

Utah injury case results show how a claim gets built. They do not promise what yours will bring, and any firm suggesting otherwise is guessing. The pattern worth taking from this page is that most of these recoveries needed more than one policy.

William Andrews handles these claims himself. He reads the coverage before he negotiates, which is the step that decides whether a claim stops at one policy limit or reaches past it. He works across Utah, from Salt Lake City and Ogden to Provo, Orem, St. George, Logan, Park City, Moab, Cedar City and American Fork.

The consultation costs nothing and there is no fee unless he recovers money for you. Bring your crash report and your own insurance declarations page if you have them, because the second document is often the more important of the two.

Call (801) 322-4878 or reach him through the contact page to find out what coverage your claim actually has behind it.

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