Insurance companies are in the business of minimizing claims payouts. They try to come up with "inventive" arguments as to why their insured is not 100% at fault. Retain an attorney in UT.
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I agree that insurance companies try to minimize their pay out. It looks like you live in Ephraim. If you call our South Jordan, Utah, office, we can explain more over the phone.
The items I discussed above are for information and not to be relied upon. You should talk with an attorney.
I would take up Attorney Butler’s offer and call their office.
DISCLAIMER: David J. McCormick is licensed to practice law in the State of Wisconsin and this answer is being provided for informational purposes only because the laws of your jurisdiction may differ. This answer based on general legal principles and is not intended for the purpose of providing specific legal advice or opinions. Under no circumstances does this answer constitute the establishment of an attorney-client relationship.
It's too bad that insurance companies are treating you like this. You definitely need to speak with a good attorney who deals with this type of thing daily. You should also consider getting representation for your criminal case regarding the ticket. Feel free to contact me as well. Good luck.
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