Automobile Insurance Claims
Being involved in a motor vehicle accident can cause serious injury and more often than not, the parties involved in the accident will file insurance claims against the at-fault person’s insurance company. But what happens when the at-fault party does not have insurance or not enough insurance to cover your injuries and other damages?
UNINSURED MOTORIST CLAIMS
In Arizona , insurance companies must offer the consumer the opportunity to purchase uninsured motorist coverage. What is uninsured motorist coverage? State law defines uninsured motorist coverage as coverage for damages due to bodily injury or death if the motor vehicle that caused the bodily injury or death is not insured by a motor vehicle liability policy. So, if you or a loved one are injured as a result of the negligence of an irresponsible and uninsured motorist, you should consult with legal counsel to discuss how to proceed with an uninsured motorist claim. Since you will be dealing with your insurance company, do not think that they will not defend the claim. They will have adjusters and lawyers on your side; you owe your benefit of an aggressive and experienced firm to assist you with your uninsured motorist claim. It is important to know that uninsured motorist coverage is a portable coverage. This means that it follows you and your household members wherever they are injured; whether in a family auto, a neighbor’s auto, or simply walking down the street. The injuries must have been related to the operation, maintenance or use of an automobile. It will not apply, for example, if you are injured in a boat, or falling off of a roof.
UNDERINSURED MOTORIST CLAIM
Like uninsured motorist coverage, Arizona law mandates that insurance carriers make underinsured motorist coverage available to its consumers. Underinsured motorist coverage is distinct from uninsured motorist coverage. Underinsured motorist coverage includes coverage for a person if the sum of the liability limits under all bodily injury liability policies applicable at the time of the collision is less than the total damages for bodily injury or death resulting from the accident. To the extent that the total damages exceed the total applicable liability limits, the underinsured motorist coverage is applicable to the difference. It is important to discuss with your lawyer whether you should make an underinsured motorist claim against your own policy. Many myths exist about using your own coverage, such as rates being raised, etc. It is important to get the facts from an experienced attorney. Discuss these issues and other issues immediately after an accident occurs with an experienced attorney. It is important to know that underinsured motorist coverage is a portable coverage. This means that it follows you and your household members wherever they are injured; whether in a family auto, a neighbor’s auto, or simply walking down the street. The injuries must have been related to the operation, maintenance or use of an automobile. It will not apply, for example, if you are injured in a boat, or falling off of a roof.
MEDICAL PAYMENTS COVERAGE
Some policies may contain coverage that is referred to as “Medical Payments” coverage. Simply put, this is a ‘no-fault’ coverage that will cover medical expenses resulting from an automobile accident. It usually covers you and any member of your household and any member that is in your car. Certain time constraints and contractual obligations will come into play when submitting this type of claim and you should immediately consult with an attorney regarding the pros and cons of using medical payments coverage.
BAD-FAITH AGAINST INSURANCE COMPANIES
Insurance companies have a duty to treat its consumers with good faith and fair dealing. Often, insurance companies, for no good reason, will deny coverage to policyholders who have been paying premiums for years if not decades. When this occurs, consumers should consult with an attorney to discuss their legal rights and obligations. Insurance companies make huge profits and should not be allowed to deepen their pockets even further at the expense of denying coverage and fair benefits to consumers. If you or a loved one have been wrongfully denied claims for benefits, whether auto, health, or life insurance, immediately contact an experienced attorney to discuss your options.