The Role of Insurance in Arizona Car Accidents: What Drivers Need to Know
In Arizona, a fault-based system is used for car accidents, which means the individual found responsible is liable for the resulting damages. This structure underlines the importance of having proper insurance coverage and understanding how claims are handled. Those who fail to meet the minimum coverage requirements or do not fully comprehend the types of coverage available can face issues when seeking fair compensation.
Early professional guidance is imperative. If you or a loved one has been involved in a collision, the Law Office of Shiloh K. Hoggard, P.L.L.C. can help. Below is a closer look at how insurance works in Arizona, the main types of coverage to consider, and why having legal support often proves invaluable.
Arizona’s Fault-Based Insurance Rules
Arizona follows a fault-based insurance system, sometimes referred to as a “tort” system. Under Arizona Revised Statutes § 28-4009, drivers must maintain liability insurance that meets certain minimums:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $15,000 for property damage
Since the driver found responsible for the incident is required to cover the victim’s losses, claimants can seek compensation directly from the at-fault driver’s policy or by filing a suit. While the law requires these minimum amounts, many individuals purchase higher limits for added protection. Doing so is often recommended because a serious collision can result in damages that surpass the minimum policy. In these situations, having higher coverage offers better financial security.
Maintaining the legally mandated coverage is crucial if you want to avoid penalties such as fines and license suspensions. For more details on minimum insurance requirements, the Arizona Department of Insurance provides helpful information.
Primary Insurance Coverages to Consider
Understanding the different types of policies available can be beneficial. While liability coverage is mandatory, additional coverage can offer more peace of mind. Key coverage options include:
Liability Coverage
This mandatory coverage addresses bodily injuries and property damage that you cause to another party. If you or someone else driving your vehicle is deemed responsible for a collision, liability coverage helps cover medical costs, lost wages, and property repairs for those harmed. Given the rising cost of medical care, raising liability limits above the legal minimum is often suggested.
Uninsured/Underinsured Motorist Coverage (UM/UIM)
Not everyone on the road complies with insurance laws. UM/UIM coverage protects you if the at-fault driver has no insurance or does not carry enough insurance to pay for your losses. Because Arizona highways see a fair share of uninsured drivers, many professionals strongly encourage including this in a policy.
Collision Coverage
Collision coverage helps repair your car when it is damaged in a crash, regardless of who caused it. Though not legally mandated, lenders often require this if you finance or lease a vehicle. It can be especially beneficial when dealing with extensive vehicle damage.
Comprehensive Coverage
Sometimes described as “other-than-collision” coverage, comprehensive pays for losses such as vandalism, theft, or damage caused by severe weather. It is an option that drivers may choose to avoid unexpected financial burdens.
Medical Payments or Personal Injury Protection
Although Arizona does not require personal injury protection (PIP) as some states do, certain insurers offer “MedPay” coverage for direct medical bills. Even a small add-on can help cover immediate treatment costs if you sustain injuries in an accident.
If you have been injured in a car accident in Arizona, it is important to speak with a qualified personal injury lawyer in Prescott Valley. Our experienced attorneys can assist you in filing a claim with the insurance company and negotiating a fair settlement.
How Insurance Claims Are Handled After Arizona Car Accidents
After a collision, both insurers investigate who is responsible. The insurance company of the at-fault driver often attempts to reduce its payout. Adjusters may request detailed information, medical records, and statements to evaluate the severity of injuries and property damage. While many claims reach a settlement, there can be disputes over fault, the extent of injuries, or coverage limits.
Insurance companies can take advantage of confusion or incomplete documentation. That is why many opt for guidance from local injury attorneys as soon as possible. At the Law Office of Shiloh K. Hoggard, P.L.L.C., we have a strong history of positive outcomes. Check out our testimonials for more insights.
Potential Pitfalls of Inadequate Insurance
Failing to secure enough coverage exposes you to substantial financial risks. If your policy limits are too low, you might have to pay out-of-pocket if damages exceed your coverage. In addition, driving without at least the state-mandated policy can lead to penalties, license suspensions, and personal liability.
For victims, dealing with an at-fault driver who lacks sufficient insurance creates challenges. In these scenarios, a Camp Verde personal injury attorney can help you file suit against the uninsured or underinsured driver. Alternatively, UM/UIM coverage may cover outstanding costs, but only if you have elected to add that to your policy.
Building a Strong Claim with the Right Arizona Car Accident Lawyer
Legal counsel is not only for trials. Even early in the claims process, representation can help compile evidence and negotiate with insurance carriers. Claims are stronger when backed by police reports, medical documentation, witness accounts, and expert accident reconstruction findings. The aim is to show liability clearly and articulate the extent of injuries or property damage.
If you are unsure whether you have a valid claim, scheduling an initial meeting can provide clear insights. You will learn if there is enough evidence to move forward, the potential value of your case, and the likely time frame. Serving in Arizona, our lawyers in Cottonwood, AZ handle insurance matters for cars, motorcycles, and other vehicles alike.
Protecting Your Rights and Your Family
The Law Office of Shiloh K. Hoggard, P.L.L.C. is ready to serve as your advocate and help you pursue fair compensation from liable parties and insurers; schedule a consultation with our team and contact us today for focused representation in the aftermath of Arizona car accidents.