Chronic pain can be a real and disabling consequence of an accident even when an X-ray does not reveal a fracture or another dramatic abnormality. X-rays are useful for showing many problems involving bones, but they do not measure pain itself, and they cannot establish whether a person hurts when standing, sleeping, lifting, driving, working, or moving through an ordinary day. Even MRI and CT findings do not always correlate neatly with the severity of a person’s symptoms, particularly in...

A personal injury deposition is sworn testimony given before trial, usually in a conference room or by videoconference, while the opposing attorney asks questions and a court reporter creates the official record. You are not standing in front of a judge or jury, but your answers matter because they become evidence that can be compared with your medical records, discovery responses, prior statements, and later trial testimony. In a Utah personal injury case, a party deposition can last several...

When an at-fault driver does not have enough insurance to pay for a serious injury, the case is not necessarily limited to that driver’s liability policy. In Utah, underinsured motorist coverage may provide additional compensation, and the facts may reveal other insurance policies, responsible defendants, commercial coverage, or assets that should be investigated before anyone signs a release. The first liability-policy limit disclosed by an adjuster is therefore not automatically the ceiling...