What to Do When Your Car Accident Insurance Claim Is Denied
If you’re facing a denied car accident insurance claim after a Provo, Utah accident, you’re not alone. Insurance companies handle thousands of claims every year and are equipped with experienced teams to minimize payouts. Navigating this system without legal assistance can leave you with less than you deserve—or nothing at all.
Here’s a breakdown of your options and why hiring a personal injury attorney is often the best course of action.

1. Accept the Denial
You could choose to accept the denial and move on. However, this leaves the resolution entirely in the hands of the insurance company. Without disputing the denial, you forfeit the opportunity to recover compensation for your damages and injuries.
2. Hire a Utah Car Accident Attorney
The most effective way to fight a denied car accident insurance claim is by hiring an experienced personal injury attorney. A qualified lawyer:
- Understands Utah car accident laws.
- Has experience dealing with insurance adjusters.
- Can often resolve the dispute before litigation becomes necessary.
Tip: Avoid hiring a “dabbler” attorney—someone who handles car accidents infrequently. Opt for a specialist with a proven track record in personal injury cases.
3. File a Small Claims Case
If your claim amount is less than $10,000, Small Claims Court offers a quick and affordable resolution. Small Claims Court:
- Has a $10,000 limit (excluding costs, interest, and attorney fees).
- Resolves cases faster than other legal options.
While $10,000 now might be preferable to a higher payout years later, this option isn’t suitable for larger claims.
4. File for Arbitration
Utah law allows for arbitration under Utah Code 31A-22-321 (commonly known as 321 arbitration). This process is:
- Faster than a jury trial.
- Governed by streamlined discovery and case management rules.
Your attorney will guide you through the arbitration process to achieve an efficient resolution.
5. File a District Court Jury Trial Case
When other options fail, filing a District Court case with a jury trial track may be necessary. Although this method takes the longest, it often results in the largest payouts because:
- The jury represents the community’s voice on justice.
- Complex or high-value claims benefit from thorough examination.
However: Jury trials carry risks, including unpredictable outcomes and extended timelines. Work with an experienced trial attorney to maximize your chances of success.
Why You Need a Personal Injury Attorney
When your car accident insurance claim is denied, you need a professional to:
- Preserve evidence and documentation.
- Fight unfair denials from the insurance company.
- Navigate Utah’s legal system effectively.
Jacob S. Gunter specializes in car accident cases and understands how to challenge insurance claim denials for the best results.
Contact Attorney Jacob S. Gunter Today
Don’t let a denied car accident insurance claim dictate your future. Whether you need assistance with arbitration, Small Claims, or District Court litigation, Jacob S. Gunter can help.
📞 Call or text (801) 373-6345 for a free consultation.
📍 Serving Provo, Utah, and surrounding areas.
Get the legal support you need to fight your insurance claim denial and recover what you deserve.
Learn More About Utah Accident Lawyer Jake Gunter 
For additional insights on Utah personal injury law and to get to know Jake Gunter better, check out these helpful videos:
- Meet Jake Gunter – Learn more about Jake Gunter’s background, experience, and dedication to helping clients throughout Utah.
- How to Choose a Utah Personal Injury Attorney – This video offers guidance on selecting the right personal injury attorney to ensure you receive effective representation.
- What Jake Gunter Does and Who He Represents – Discover the types of cases Jake Gunter handles and how he advocates for the rights of injured individuals statewide.
These resources will provide you with valuable information as you consider your legal options. For any questions or to schedule a free consultation, feel free to reach out to us directly.