Dealing With the Insurance Company
In the aftermath of a car crash in Phoenix, Arizona, dealing with insurance companies can be a daunting task, particularly while also nursing injuries from the incident. Arizona is a fault-based state for car accidents, meaning the at-fault party, or their insurance company, is responsible for covering injury and property damage claims. It’s crucial to understand the motivations of insurance companies, as they often employ tactics to minimize claim payouts and protect their bottom line.
Remember, the insurance adjuster works for the insurer, not for you.
When interacting with the at-fault driver’s insurance company or adjuster, avoid the following:
- Discussing your injuries and their severity
- Allowing the insurance adjuster to record your statement
- Signing a medical authorization allowing the insurance company to access your medical records
- Accepting an early settlement offer
You aren’t obligated to speak to or share details with the other driver’s insurance company. Before making any statements, consult with a Phoenix car accident lawyer at Lamber Goodnow Injury Lawyers. Your attorney can handle interactions with insurance companies, ensuring your rights and interests are protected.
Arizona Insurance Requirements: Protecting Yourself with Adequate Coverage
Pursuant to Arizona statute, ARS 28-4009, Arizona has increased its minimum liability coverage requirements due to a recognition that previous limits were often insufficient to cover the losses of collision victims. The current minimum coverage requirements are:
- $25,000 in bodily injury/death for one person
- $50,000 bodily injury/death for two or more people
- $15,000 property damage coverage
However, these limits may still be inadequate for many injury or fatality collisions. For additional protection, consider purchasing uninsured/underinsured motorist coverage. This provides extra coverage if you’re involved in an accident with an uninsured or underinsured motorist. Your Phoenix car accident lawyer will also explore other potential sources of recovery to ensure maximum compensation for your losses.