Luke Udy brings 17 years of insurance experience and runs Udy and Associates, an American Family Insurance Agency that handles home, auto, boat, ATV, umbrella, landlord, apartment, HOA, and business insurance, with access to multiple national carriers, in Utah and neighboring states. Luke explains what actually happens when Utah drivers think they have full coverage but are really sitting on the state minimums of 30-65-30. Full coverage only means comp and collision, and liability only still ...
All content for We Win Injury Law is the property of Tyler Todd and is served directly from their servers
with no modification, redirects, or rehosting. The podcast is not affiliated with or endorsed by Podjoint in any way.
Luke Udy brings 17 years of insurance experience and runs Udy and Associates, an American Family Insurance Agency that handles home, auto, boat, ATV, umbrella, landlord, apartment, HOA, and business insurance, with access to multiple national carriers, in Utah and neighboring states. Luke explains what actually happens when Utah drivers think they have full coverage but are really sitting on the state minimums of 30-65-30. Full coverage only means comp and collision, and liability only still ...
Luke Udy brings 17 years of insurance experience and runs Udy and Associates, an American Family Insurance Agency that handles home, auto, boat, ATV, umbrella, landlord, apartment, HOA, and business insurance, with access to multiple national carriers, in Utah and neighboring states. Luke explains what actually happens when Utah drivers think they have full coverage but are really sitting on the state minimums of 30-65-30. Full coverage only means comp and collision, and liability only still ...
St George is growing fast and the roads are getting rougher. Speeding, red light runners, distraction, and following too close are causing most of the crashes police respond to. Officer Mitchell talks about what she sees every day: drivers going through intersections while looking at their phones, rushing to beat the lights, and sitting inches from another car’s bumper. Hit-and-run accidents are happening more often. Many drivers leave the scene even though it is a crime that can lead to a su...
Chief Kyle Whitehead, Chief of Police for St. George, Utah, shares what really happens when a crash is reported and how officers handle accident scenes from the first call to the final report. Starting as a patrol officer in 1999 and working through every level of the department, Chief Whitehead explains what it means to serve a city that has grown from 62 officers to more than 150, and how the rapid population boom has changed the way policing looks in Southern Utah. He walks through w...
Most people proudly say they have full coverage on their car insurance. It sounds safe and complete, but full coverage does not mean what you think it means. Full coverage usually means you meet the state minimum legal requirements. That is the bare minimum that keeps you on the road, but not the amount that keeps you financially protected. When serious accidents happen, those limits collapse fast. A single life flight can cost more than $100,000. ICU stays and surgeries can climb into the hu...
It finally feels like fall in Utah. Football weather is here. The mornings are cool, the games aren’t burning hot, and October has been one of the best in years. That means football, baseball playoffs, hockey, and the NBA all kicking off. Then it turns to a serious NFL story. Chiefs wide receiver Rashee Rice was driving a rented Lamborghini in Dallas, racing another car at 119 miles an hour, when he lost control and caused a six-vehicle crash. Several people were hurt with brain trauma and in...
TikTok is becoming the new Court TV, where creators break down real lawsuits with in-depth analysis and commentary. They read complaints, review discovery motions, and explain how cases really work. Deep dives into the Idaho Four, the Cardi B lawsuit, the Blake Lively Baldoni case, the Diddy lawsuit, and the Murdoch murders have made TikTok feel like next-level courtroom TV. When you look at the anatomy of a lawsuit, it’s interesting to see how it works and why it works that way. It’s not jus...
It is tough to talk about hard topics like when floods take lives and families are left to pick up the pieces. The floods in Texas were a real loss, a real tragedy, and what happened at Camp Mystic was an unspeakable tragedy. Children were killed in the flooding along the Guadalupe River over the Fourth of July weekend, and what should have been a holiday of celebration turned into chaos and heartbreak. The flooding caught the area completely off guard. A hundred-year flood that swept through...
The lies insurance companies tell, and we've heard them all. Insurance adjusters are not your friends. Full coverage is not directly correlated with good coverage. Clients believe they are fully insured, but often it only means they meet the minimum requirements. Property damage is small compared to bodily injury, and you need real protection, not just the illusion of coverage. Adjusters use tactics such as the friendly voice call with a quick settlement or the blame game and delay to s...
Travis Kelsey and Taylor Swift are the most famous couple in America right now. Jersey sales spiked 400 percent, Chiefs ticket sales tripled, and a podcast deal reached 100 million. Brand value for the Chiefs and the NFL has increased by $331 million since they began dating. A love story or a strategy, he was fawning over her, and she was fawning over him. A $5 million wedding ring, the stabbing in Charlotte, and the FBI getting involved, and a bicycle accident raise questions about safety, l...
It was a heavy week, and we wanted to have this conversation as soon as possible and not too soon. The Charlie Kirk assassination, political violence, violence in America, and how that affects what we do daily with injury law and legal perspectives. The morning after September 11th was a heavy morning when the shooting at Utah Valley University was still fresh, and the conversation turned to both events. Kids came home on September 10 saying, “Turn on the news.” Everyone was watching and talk...
Utah has alarming accident statistics. In 2023, there were nearly sixty-five thousand crashes, twenty-six thousand injuries, and two hundred seventy-nine lives lost. That equals one crash every 8.8 minutes, an injury every twenty minutes, and a death every thirty-one hours. A recent wrong-way crash with a ninety-year-old driver raises tough questions about age restrictions and driver testing. The hidden cost of accidents often comes when insurance companies deny or minimize claims. If they ca...
A Hollywood showdown in a Beverly Hills courtroom, a peek inside the Cardi B assault $24 million lawsuit. Cardi B was at an OB-GYN clinic in 2018, secretly pregnant, when a security guard filmed her without permission, leading to an alleged heated verbal altercation, alleged scratching and spitting, emotional distress, and a lawsuit for damages that skyrocketed because a celebrity got involved. How far did the alleged spit fly? Was it a Louie-level arc off the Titanic, or just accidental? Whe...
The Justin Baldoni and Blake Lively case took a major turn when the $400 million countersuit was dismissed. What began as a scorched-earth strategy, with a separate website and promises of transparency, quickly shifted when the judge struck nearly 300 pages from the record, calling it a publicity stunt. Patience has disappeared in today’s world. People expect instant replies to texts and emails, entire seasons released at once, and faster games with pitch clocks. That same impatience is showi...
The Holy War is more than a football game. BYU vs UU, the University of Utah is one of the biggest rivalries in college sports and in the state of Utah. Families are divided, feelings run deep, and it is about more than wins and losses. The history goes back nearly 100 years, with Utah leading the series 62 to 36 with 4 ties. So what is the origin of the Holy War, the cultural and religious undertones, and why does it go far beyond the field? BYU has the only national championship in th...
Tom Cruise, owls, and a real life Minority Report story show how AI in police investigations can go wrong. In 2020, Robert Williams was wrongfully arrested by the Detroit Police based solely on a facial recognition match from their AI system. He spent 30 hours in jail before being released. The settlement forced the Detroit Police to change procedures and require independent corroborating evidence before making arrests. Facial recognition technology was supposed to make communities safer but ...
The Pacific Palisades fires started January 7, 2025 of this year and they were catastrophic. One of the biggest cities in the United States lost homes and entire neighborhoods. Millions of dollars were raised at concerts and charity events for fire victims. According to Spencer Pratt, none of it has reached the people who lost everything. His wife Heidi Montag is also part of the lawsuit, joining other victims in demanding answers. WHERE IS THE MONEY? Spencer Pratt is showing charitable organ...
Why is Suits so popular? Is it the legal strategy, the drama, or just Harvey Specter being a stud? Legal shows aren’t anything like real life, but real legal drama is more compelling than fiction. The Karen Read trial proves that. We break down real cases with massive verdicts. From the $50 million Starbucks tea burn to the GM gas tank explosion, the Ford Pinto, the drone footage that helped win a $70 million case, and more. We talk about what it takes to prove negligence, how companies try t...
There’s been a lot happening since our last podcast but the big one is Bryan Kohberger’s guilty plea in the Idaho 4 murders. This is the plea deal heard round the world. We talk through why some of the families are calling it a betrayal while others see it as closure. What does it really mean to get four consecutive life sentences without parole in a maximum security state prison and is that justice or just legal strategy. We share thoughts on survivor’s guilt the emotional toll of a tr...
Reddit is full of legal advice. Some of it’s helpful. Some of it’s flat-out wrong. In this episode, I go through real Reddit posts about injury law and insurance claims. If you’ve ever asked Google or Reddit what to do after a crash, this is what you need to know before you follow the advice of random strangers online. How long until I get an offer on my underinsured motorist claim? Usually 20 to 30 days after submitting a demand, but that first offer is almost always way too low. Getting an ...
Traffic across Utah is worse than ever from St George to Salt Lake and everywhere in between. We're talking freeway crashes, intersection collisions, and rear-end accidents in places like Riverton, Herriman, and the Thanksgiving Point exit. Congestion on I-15 is up, and rural highways are packed with semi trucks and tired drivers. We share what happens after a crash, why police reports often say no injuries even when people are taken to the hospital, and how fear of ambulance and life flight ...
Luke Udy brings 17 years of insurance experience and runs Udy and Associates, an American Family Insurance Agency that handles home, auto, boat, ATV, umbrella, landlord, apartment, HOA, and business insurance, with access to multiple national carriers, in Utah and neighboring states. Luke explains what actually happens when Utah drivers think they have full coverage but are really sitting on the state minimums of 30-65-30. Full coverage only means comp and collision, and liability only still ...
