Auto Insurance | Phoenix Personal Injury Law Blog
Motor vehicle accidents happen every day on Arizona roads and highways. In 2020, there were 98,778 traffic accidents statewide, 970 of which were fatal and 28,610 of which caused injury, as reported by the Arizona Department of Transportation (ADOT). If you have been involved in an accident, don’t count on insurance adjusters to offer you a fair settlement that covers all your damages.
An auto accident, even if minor, is a shock. The crashing sound of impact, losing control of your vehicle, the fear of death, and the pain of an injury can leave you feeling powerless, fearful, and confused. However, when possible, taking photos after an auto accident can be critical to the outcome of an injury claim. Without photographic evidence, the at-fault driver and their insurance company may assert you were wholly or partially at fault in the accident. The photographic evidence tells the story of what occurred – and the more photos you have, the better.
After an injury accident, the amount you are paid in compensation should reflect the cost of medical care, lost wages from work, pain and suffering, and your future wellbeing. You can maximize the amount you recover by ensuring you have the following supporting evidence:
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.
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During a free consultation, we will look at the important aspects of your case, answer your questions, and explain your legal rights and options clearly. All submissions are confidentially reviewed by Mark Breyer.
Confidentially reviewed by Attorney Mark Breyer