Auto Insurance | Phoenix Personal Injury Law Blog - Breyer Law Offices, P.C.
Arizona has historically had one of the lowest auto insurance minimums in the country. However, that has recently changed. The auto insurance minimums were raised in 2020, and all Arizona drivers should be aware of what this increase actually means.
Insurance companies rarely play nice, especially when they are being asked to pay out money. While we turn to insurance companies to help us recover from catastrophic accidents, they tend to put their own profits over their duty to their clients. That means that they will do everything they can to undervalue your settlement, and give you as little in compensation as possible. Thankfully, there are steps you can take to make sure you receive proper compensation following an accident.
After finding yourself in a serious car accident, you will naturally turn to your insurance provider for help. After all, the reason you have auto insurance is to have your expenses covered in case you are ever involved in a collision. However, insurance companies exist to make a profit first, and help their customers second. Even if you have been the model client, they may still decide that your settlement isn’t worth what you ask, and deny your claim. This is called acting in bad faith, and it can leave you with no coverage after an accident.
Nothing is as freeing as riding on the back of a motorcycle. We should know; The Husband and Wife Law Team are motorcycle enthusiasts ourselves. But for passengers, as thrilling as it can be, they are also the most exposed on Arizonan roadways. That means, if you are involved in a collision, you are completely at the mercy of the person handling the motorcycle and the other driver. This can make it especially confusing once it comes time to file a claim. Whose liability insurance policy covers you? Both of theirs? Neither? Do you have a right to file against either one of them?
Filing a claim after an accident is never easy. On top of having to worry about recovering from your injuries, paying your medical bills, and taking the time to heal emotionally, you now have to stress over a legal system that you probably know nothing about. That is why The Husband and Wife Law Team put together this list of steps for you to follow while going through the claims process. If you follow our advice, you may get more in compensation than you originally expected.
While some people view auto insurance as just a legal requirement, it is a critical aspect of protecting your financial health. When you are choosing an auto insurance policy, it is essential that you know the types of coverage available, what your plan covers, and what might happen to your premium if you are involved in an accident. If you’ve already been in an accident, the things you say to an insurance company can impact whether your claim is successful. Understanding what to say and what not to say is vital.
Inexpensive auto insurance gives you just enough coverage drive legally in the state of Arizona. But those minimums may be far too low if you are involved in an accident with injuries.
Arizona’s mandatory level of coverage is:
- $15,000 bodily injury liability for one person
- $30,000 for two or more people
- $10,000 in property damage
“Liability” means this insurance policy will go toward the other person if you are judged to be at fault for an accident. It will not cover you. That’s assuming quite a financial risk.
Top 12 Questions to Ask Your Car Insurance Agent
Why Do We Need Car Insurance?
Let’s start at the beginning. Why do you need car insurance? First, car insurance is required by law in the state of Arizona, and in all other states as well.
It can be shocking when a car crashes into your house—don’t even get us started on the damages. As a homeowner, the first thing you’ll want to know is how any property damage can be fixed, and what those repairs are going to cost you. Luckily, insurance companies exist for reasons like this, and it may be possible for homeowners to recoup their costs through insurance.
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Confidentially reviewed by Attorney Mark Breyer