Anthem Car Accident Lawyers

After a motor vehicle collision in Anthem, Arizona, the legal process can be complex, particularly when you are trying to recover from traumatic injuries. Dealing with difficult insurance companies, gathering evidence, and understanding your rights all require time and energy that you may not have during your recovery. Insurance adjusters often try to minimize your claim or deny compensation, leaving you unsure of how to move forward. This is where having legal representation can make all the difference in the outcome of a personal injury case.

By working with a skilled Anthem auto accident attorney, you will have an advocate with experience and resources supporting your personal injury case.

What is the Minimum Auto Insurance Requirement in AZ?

In Arizona, all motorists are required to carry auto insurance that meets state minimum requirements for bodily injury and property damage. When a driver causes a car accident, their insurance will typically cover damages to others up to the policy’s limits. At a minimum, Arizona auto insurance policies must include:

• $25,000 in liability coverage for bodily injury for one individual per crash
• $50,000 in liability coverage for bodily injury for multiple parties per collision
• $15,000 in liability coverage for property damage to help with vehicle repairs or replacement

Although these coverage amounts may seem sufficient, the costs of injuries and losses from serious car accidents can quickly exceed the at-fault driver’s insurance limits. Additionally, Arizona has a high rate of uninsured motorists, so there is no guarantee that coverage will be available after a crash. To learn more, reach out to our experienced auto accident attorneys serving Anthem, AZ.

Why You Need Uninsured and Underinsured Motorist Coverage in Arizona

In a 2022 report released by the Insurance Information Institute (III), Arizona ranks 27 out of 51 for the highest percentage of drivers without auto insurance with 11.9 percent. This was determined based on the ratio of personal injury claims to uninsured motorist claims. Nationwide, 14 percent of drivers, or approximately one in seven motorists, did not have auto insurance at the time of the incident, according to the Insurance Research Council (IRC) in a 2023 study.

In car accident cases involving serious injuries, it is likely that damages may exceed the amount covered by the other driver’s liability coverage limits, particularly if they only have the state minimum required insurance in Arizona or there is no active coverage. In such cases, you may have the option of falling back on uninsured and underinsured motorist coverage (UM/UIM) to pay for the resulting injuries and damages.

Underinsured motorist coverage is extremely helpful to have in the event of a hit-and-run crash causing injury. UM protection may apply up to the policy’s limits. Keep in mind that evidence must clearly demonstrate that the opposing party’s vehicle made contact with the injured party’s car and the injuries directly resulted from the hit-and-run. Underinsured motorist coverage is helpful to have, especially with the number of negligent drivers having state minimum limits in Arizona.

How Can Disputed Liability Affect a Bodily Injury Claim?

Under Arizona’s comparative fault system, liability is distributed according to the degree of fault assigned to each involved party. The more responsible someone is for causing a crash, the greater their share of the liability for the damages incurred. It is not uncommon for an insurance company to unfairly pinpoint fault onto an injured party. As such, it is helpful to hire a skilled Anthem auto accident attorney immediately to identify all potentially liable parties to maximize your recovery.

What is the Statute of Limitations on an Injury Case in AZ?

Recovering from a traffic collision in Anthem, Arizona, usually involves filing a personal injury claim. The time frame for filing a claim is short as the injured party must notify the insurance company within a few days of the incident. This may vary based on the contractual language of the policy. If the claim is not settled within the two-year statute of limitations, the case must be filed in civil court. Failure to protect the statute may lead to the court ultimately deciding to dismiss the case.

While a two-year time limit applies to most cases, some may be as short as six months if a government agency is named a defendant. Examples of claims filed against public entities include negligent operation of government-operated vehicles and unsafe road conditions on state-maintained bridges and highways. A plaintiff has no more than 180 days or six months from the date of the accident to file a claim against the appropriate government agency.

Benefits of Hiring an Attorney for an Anthem Auto Accident Case

You should not depend on the insurer to prioritize your interests after a car wreck. Being profit-driven, the insurance company will do everything possible to pay as little as possible. Retaining legal counsel can level the playing field. You can depend on your auto accident attorney to:

• Conduct an in-depth investigation into the motor vehicle collision to understand how and why it occurred
• Be available to answer questions, help you make important decisions about your Anthem car accident case, and provide case updates as they occur
• Subpoena maintenance and inspection records for commercial vehicles, cell phone records, and other evidence to support the case
• Consult with expert witnesses to assist in investigating the incident, building your personal injury case, and assessing the fair and reasonable value of your damages
• Handle communications and negotiations with the opposing party and insurance companies to ensure that you receive a favorable settlement
• Determine if punitive damages are applicable in the case, such as the other driver excessively speeding or driving under the influence in the moments leading up to the car wreck
• Advocate for you in court if the opposing party refuses to accept responsibility for the incident and resulting damages

Our skilled Anthem car accident lawyers want you to know that you only have one chance to seek compensation for your losses. Our legal team is here to help you maximize that opportunity. Call our law office or message us online for your free consultation today.

About Our Personal Injury Law Office

• Our law office provides clients with dedicated and personalized legal representation with a proven track record of success. We believe in providing our clients with the support and guidance they need after a traumatic motor vehicle collision.
• We are committed to serving our community and offer free consultations for car accident cases in Arizona. We operate on a contingency fee basis, meaning we only get paid if we successfully resolve a case on behalf of our client.
• Our law firm has access to experts in the field, such as economists and biomechanical experts, to assess the full extent of accident-related injuries and calculate diminished earning potential, wage loss, and future medical bills resulting from the motor vehicle crash.
• We have extensive investigative resources to determine the cause of the incident and identify at-fault parties, including driver negligence, government entities for unsafe road conditions, and auto manufacturers for defective vehicle parts and equipment.

Contact a Skilled Anthem Car Accident Lawyer Today

After being injured in a crash, you may feel as though no one is on your side. The insurance company representing the opposing party may dispute or deny liability while your medical bills, wage loss and other damages are piling up. In such situations, it is important to work with a law firm that will seek justice and maximum compensation. Understand your options after a crash by contacting a skilled Anthem auto accident attorney today. Call us for a free consultation at (602) 777-3300.