Auto Insurance | Phoenix Personal Injury Law Blog - Breyer Law Offices, P.C.
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.
Arizona is known for having some of the lowest liability requirements for car insurance in the country. In fact, the state falls 25 percent below the national average in the liability insurance department. This is great news if you’re a driver on the road, as it doesn’t cost very much to become legal, but the news gets even better. Instead of pocketing that extra cash and using it for coffee money throughout the New Year, you can make the resolution to put that money towards full coverage – something that won’t cost much more than what you’re paying now.
Arizona auto insurance, like many other things surrounding driver safety and possible accidents on the freeways and other streets, is shrouded in mystery for most people. After all, you know that you’re supposed to have insurance, but do you really know what the limits mean, what minimums you’re supposed to have, and how that can impact you, your recovery and your finances in the event that you are involved in an accident? Unless you are an insurance agent, or you’ve had the unfortunate experience of learning first-hand what your insurance policy can and cannot do for you in the event of a collision, you likely need to learn these top four things in order to protect yourself.
- Insurance companies don’t concentrate on making money; they are more focused on being fair to claimants.
- If someone they insure is at fault in an accident, the insurance company will always admit to that fault and will be happy to pay for any damages. They will never try to deny a claim nor will they ever put the blame on the victim.
- An insurance company won’t point to pre-existing conditions as a cause for the injuries instead of the accident. Nor will they hire nurses, doctors, and other expert witnesses in an attempt to duck responsibility.
- When shown proof of injuries, the insurance company will make the process of paying out compensation quick and easy for the victim. They feel like the injured person has already been through enough and don’t want to add to their burden.
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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