Arizona Car Insurance Claim Lawyers
Attorney Representation in Phoenix, Arizona Since 1996
Insurance Claim FAQ
It is important to have a basic understanding of your auto insurance policy in case you are ever involved in a serious car crash in AZ. Dealing with insurance companies, even your own, can be a complicated process. It will be important to watch what you say and what papers you sign. If you have been involved in an injury car accident in Arizona, it may be in your best interest to speak to a skilled Arizona car accident attorney before speaking with the insurance companies involved.
What is the minimum required auto insurance coverage I can get?
Each state has different rules and regulations that dictate how much vehicle insurance is required of every driver. Arizona requires $15,000 / $30,000 Bodily Injury Liability and $10,000 Property Damage Liability coverage. Arizona does not require you to get uninsured / underinsured motorist coverage, but it may be in your best interest to get it just in case you are involved in an accident with an uninsured or underinsured driver.
Why should I get uninsured motorist coverage (UIM)?
UIM coverage is there for you if you are ever involved in an accident with someone who does not have coverage or who has coverage that does not adequately cover the damages suffered. This protection also provides coverage to individuals hurt in Phoenix hit-and-run accidents. Remember, liability insurance protects others. Uninsured motorist coverage protects you.
What is tort law and how does it affect my insurance claim?
Arizona follows a tort system, which means that the driver determined to be at-fault for the collision is responsible for covering the damages. So, when someone else injures you in a car crash, that person's insurance is required to cover your losses.
How do I pursue compensation for a crash?
Filing an insurance claim with the at-fault driver's insurance company is your first step to receiving compensation for your losses. They will ask you a number of questions regarding how the accident took place to try to determine liability. You should make sure you never admit fault for the crash. An adjuster for the insurance company will inspect your vehicle to determine the value of the damages and whether or not the car is worth repairing. If the insurance company offers you a settlement, which you believe does not adequately cover all damages, do not accept it. Talk to an experienced car insurance claim lawyer to evaluate your options.
What happens if my car is totaled?
The insurance company will try to determine what the value of your vehicle was immediately before the crash. The value of your car will be calculated based on the market value of the car and the condition it was in before the accident.
What should I do if I was injured in the accident?
The at-fault driver's insurance company is responsible for all of the damages sustained in the collision. In addition to car repairs, the damages include medical expenses, time away from work and pain and suffering. If it is your belief that these damages will not be fully covered by the insurance company's offer, call The Breyer Law Offices P.C. right away. Our Phoenix insurance claim attorneys will review your case and help you determine the best course of action. We always offer free consultations and comprehensive case evaluations to victims of Arizona car accidents.
