Automobile Insurance Coverage
Attorney Representation in Phoenix Arizona Since 1996
Phoenix Arizona Insurance Coverage Lawyer
How do the Arizona Insurance Laws Affect Me after a Car Accident?
Far too often, people believe they have "full coverage" under the law. The reality is, you can read every law in the state of Arizona, and we do not believe you will ever find a place where you will see the amount of insurance coverage that is "full coverage." This has become a myth repeated so often by so many people that it is some how accepted as true that you have "full coverage" on your automobile policy.
The reality is that the only coverage required under the law is the minimal limits. In Arizona, this means that the driver of another vehicle is required by law to have $15,000.00 of auto insurance for any one person injured as a result of their negligence in causing the car accident. However, if you do not have the proper insurance in a car accident in Arizona and the other driver did not follow the law and does not have the $15,000.00 minimum limits, you have nothing. Moreover, for people who are seriously injured, $15,000.00 may not pay for the cost of getting them to the hospital. For anybody very seriously injured, $15,000.00 won't come close to paying for their medical bills, let alone their wage loss, out-of-pocket expenses, and compensation for the terrible effect a serious injury can have on their lives.
There are many different types of auto insurance, and each of them is vital to our clients who have suffered serious injuries in a car accident.
One of the key items that has to be taken care by the best personal injury lawyers throughout the State of Arizona is uncovering possible insurance that applies to that accident. Many, many times we have been able to uncover insurance policies that protected our clients that our clients did not know about. Some times, it takes expertise to uncover every source of possible insurance. There are many different types of insurance coverage. Liability insurance, medical payments coverage, underinsured motorist coverage, uninsured motorist coverage, and others. Moreover, there are many times that there is coverage not just for the driver of the car that caused the accident, but a separate set of coverage on a different vehicle that also will protect the person who was injured. It is vital to find a Phoenix insurance dispute lawyer that has expertise in making sure every available source of insurance or other monies that can pay for the injuries caused are determined and utilized.