Car Insurance Attorneys in Chandler, Arizona

When people buy auto insurance, in the event of an accident, they enjoy the comfort of knowing that they will be able to rely on their insurance provider to get the compensation they need to pay for their medical care, car repairs, and other expenses. Unfortunately, when an accident occurs, people often learn that they had a false sense of comfort, and they learn it the hard way.   

Insurance companies are known for their tactics to minimize payouts or deny claims to protect their profits at the expense of accident victims. When this happens, the insurer should be held accountable. At Arnett & Arnett, PC, our car insurance attorneys in Chandler, Arizona, help clients navigate the claims process to ensure that their rights are protected, and they receive the compensation to which they are entitled. We proudly serve clients throughout the state of Arizona, including Phoenix, Chandler, Tucson, and Flagstaff.  

Types of Car Insurance 

When shopping for auto insurance, the first thing that may surprise you is the number of choices available. While there is mandatory auto insurance in Arizona, some coverages are optional and can be purchased as “add-ons” to your car insurance policy.  

• Liability. This type of car insurance is mandatory in the state of Arizona and is designed to pay for the costs of damages caused to other people involved in the accident when you (the policyholder) are at fault.  

• Uninsured and underinsured motorist coverage (UM/UIM). UM and UIM coverages are optional in the state of Arizona and provide protection in the event of an accident involving an uninsured or underinsured motorist or a motorist whose identity is unknown (hit and run).  

• Medical payments. Medical payments coverage, also referred to as Med Pay, provides coverage for any medical expenses incurred by the policyholder and their passengers as a result of a car crash.  

• Property damage/comprehensive/collision coverage. These three types of coverage pay for damages caused as a result of accidents involving objects rather than other vehicles or people. Property damage coverage pays for damages caused to objects or things. Collision coverage covers damages to your own vehicle, regardless of fault. Comprehensive coverage covers damages caused to your own vehicle but not as a result of a collision (rather, it covers damages related to vandalism, theft, hail, animals, and falling trees and other objects) 

• Repairs and total loss. As the name implies, this coverage pays for the costs associated with vehicle repairs when your vehicle is damaged, including when the cost of repair is about the same or more than the value of your car (total loss).  

If you are not sure what types of coverage you currently have, you need to reach out to an insurance attorney in Chandler, Arizona, to review your policy and advise you of your options.   

Car Insurance Laws in Arizona

Under Arizona law, every motor vehicle operated on the state’s roads, including mopeds, motorcycles, and even golf carts, must be covered by liability insurance with a minimum of: 

• $25,000 in bodily injury liability per person 

• $50,000 in bodily injury liability for two or more persons 

• $15,000 in property damage liability 

Getting caught driving without car insurance in Arizona can result in suspension of your driving privileges for up to 12 months as well as a maximum fine of $1,000. The length of the suspension depends on the level of offense (first or repeat).  

Reporting a Car Accident to the Insurance Company

Every motorist involved in a car accident in Arizona should report accidents to the insurance company as soon as possible after they occur. In fact, most insurance providers set specific requirements for reporting accidents, including the amount of time you have to file a claim. Failure to notify the insurer within the appropriate amount of time can lead to the denial of your claim.  

Our car insurance attorneys at Arnett & Arnett, PC, can help you navigate the claims process after an accident occurs, from reporting the accident all the way to resolving your claim for the highest amount possible. We will fight for fair compensation on your behalf and keep you informed every step of the way so you can focus on healing and recovering.