• Home
  • About
  • Privacy Policy
  • Disclaimer
Wednesday, September 27, 2023
ZOBUZ
Send Message
Contact Us
  • AutoMobile
  • Business
    • Finance
    • Insurance
    • Startup
  • Entertainment
    • Movies
    • Music
  • Fashion
  • Games
  • Health
    • Dental Care
    • Food
    • Fitness
    • Skin Care
  • Law
  • LifeStyle
    • Home Improvement
    • Houseplants
  • News
    • Politics
    • Science
    • World
  • Review
  • Sports
  • Tech
    • Crypto
    • Graphic Design
    • Digital Marketing
  • Tips
    • Apps
    • Gadget
    • Education
  • Travel
No Result
View All Result
  • AutoMobile
  • Business
    • Finance
    • Insurance
    • Startup
  • Entertainment
    • Movies
    • Music
  • Fashion
  • Games
  • Health
    • Dental Care
    • Food
    • Fitness
    • Skin Care
  • Law
  • LifeStyle
    • Home Improvement
    • Houseplants
  • News
    • Politics
    • Science
    • World
  • Review
  • Sports
  • Tech
    • Crypto
    • Graphic Design
    • Digital Marketing
  • Tips
    • Apps
    • Gadget
    • Education
  • Travel
No Result
View All Result
ZOBUZ
No Result
View All Result
Home Law

What is the Role of Insurance in a Phoenix Car Accident Claim?

Barry Lachey by Barry Lachey
July 19, 2023
in Law
0 0
What Is The Role Of Insurance In A Phoenix Car Accident Claim
0
SHARES
1
VIEWS
ShareShareShareShareShare

Phoenix, the capital of Arizona, is also the most populous city in the state. One of the things Phoenix is known for is car accidents. Phoenix accounts for 34% of all accidents in Arizona. In 2021 alone, 40,833 accidents occurred in the city. The most common cause of these accidents is negligence.

You might have insurance to cover your losses in the event of an accident. Have you ever wondered what the policy covers? None of us ever think twice about our insurance policies unless we are involved in an accident. But everyone should know their insurance policy in detail. Only then will you know the right course of action to take following an accident.

Insurance policies are of two types: liability insurance and no-fault insurance. Arizona is one of the 38 states that follow the fault-based system for accidents. It means the at-fault party is legally responsible for the losses incurred by the victims. Car accident attorneys in Phoenix help victims recover their losses through personal injury claims.

The Role of Insurance in Phoenix Car Accident Claims

Phoenix is an at-fault city. So the citizens of Phoenix are required to carry liability car insurance. In a no-fault state, people will have no-fault insurance. It means your insurance company will cover your losses regardless of who was at fault.

Liability Car Insurance

Liability car insurance covers the damages done by the insurance carrier to the victim. This policy covers the following damages:

  • Medical losses
  • Any damage to the car
  • Lost wages
  • Non-economic losses like pain and suffering

The insurance company will cover losses up to the policy limits. For example, if you have lost $20,000 due to a car accident, and the at-fault party has insurance coverage of $15,000, then the insurance company will cover only $15,000. The rest will come out of the at-fault party’s pocket.

The fault-based states have a limit on the minimum coverage a person can have.

  • The policy that covers the losses the victims incur due to healthcare is known as a bodily injury insurance claim. A bodily injury insurance claim has a per-person limit of $15,000 and a per-accident limit of $30,000.
  • The other policy that covers the property damage done to the victim is known as property damage liability car insurance. Property damage liability insurance has a limit of $5000 to $10,000, depending on the state.

Uninsured Motorist Coverage

Many states require citizens to carry uninsured motorist coverage (UIM). This can be helpful when you are involved in an accident where the at-fault party doesn’t have insurance. When this happens, you can claim the loss from your own insurance company if you have UIM coverage. Generally, UIM policies don’t cover vehicle damage. You will need to pay more to cover vehicle damages.

Underinsured Motorist Coverage

Underinsured coverage is similar to UIM. If your damages accumulate to $30,000 and the at-fault party has coverage of $15,000, then you can claim the rest from your insurance company.

Final Thoughts

Understanding the role of insurance can be difficult, but understanding it is important to recovering your losses. You don’t need to think about all this if you just hire a car accident lawyer. Your lawyer will review your insurance policy and the at-fault party’s insurance policy and formulate a plan to get you the compensation you deserve.

Barry Lachey
Barry Lachey

Barry Lachey is a Professional Editor at Zobuz. Previously He has also worked for Moxly Sports and Network Resources “Joe Joe.” he is a graduate of the Kings College at the University of Thames Valley London. You can reach Barry via email or by phone.

Tags: car accident claim in phoenixrole of insurance in phoenix
Previous Post

A Closer Look at Family Law: Legal Solutions Offered by a Law Firm for Every Situation

Next Post

Next-Gen Processors by Intel: The Tech Giant’s Future

RelatedPosts

Divorce
Law

Divorce Done Right: Finding a Lawyer to Protect Your Interests

September 27, 2023
What Percentage Of Remanded Disability Cases Are Approved?
Law

What Percentage Of Remanded Disability Cases Are Approved?

September 24, 2023
5 Questions To Ask White Collar Crime Lawyers About Your Case
Law

5 Questions to Ask White Collar Crime Lawyers About Your Case

September 22, 2023
Behind The Scenes
Law

Behind the Scenes: The Truth About DBA PTSD Settlements

September 20, 2023
Why Hiring A Local Lawyer For A Personal Injury Case Is Beneficial
Law

Why Hiring a Local Lawyer for a Personal Injury Case is Beneficial

September 20, 2023
Things You Should Do To Prove Negligence In A Premises Liability Case
Law

Things You Should Do to Prove Negligence in a Premises Liability Case

September 20, 2023
Next Post
An Illustration Showcasing The Power And Innovation Of Intel'S Next-Gen Processors.

Next-Gen Processors by Intel: The Tech Giant's Future

ADVERTISEMENT
  • Decoding Spinal Surgery Options

    Foraminotomy vs. Laminectomy: Decoding Spinal Surgery Options

    0 shares
    Share 0 Tweet 0
  • Virgin River Season 5: A Riveting Journey Continues

    1 shares
    Share 0 Tweet 0
  • How to Manage & Avoid the Side Effects of Ozempic Pen?

    1 shares
    Share 0 Tweet 0
  • Tyrone’s Unblocked Games: The Door to Infinite Fun

    0 shares
    Share 0 Tweet 0
  • A Step-by-Step Guide to Ending Your Cigarette Addiction

    0 shares
    Share 0 Tweet 0
A Person Working On A Laptop With A Smile, Representing The Flexibility And Satisfaction Of Part-Time Jobs

Part-Time Jobs Near Me: Your Ultimate Guide to Part-Time Employment

by Rene Bennett
September 26, 2023

Finding the ideal local part-time employment can be a real game-changer in today's hectic environment. This guide will help you...

Craigslist Pittsburgh

The Ultimate Guide to Craigslist Pittsburgh: Uncovering Hidden Gems and Local Opportunities

by Rene Bennett
September 26, 2023

For both consumers and sellers, the online classifieds service Craigslist Pittsburgh has become a veritable gold mine in the modern...

Edwin Castro

Edwin Castro: A Musical Journey Through Creativity

by Rene Bennett
September 26, 2023

Introduction Edwin Castro is one of the few people who stands out so obviously in the huge world of music...

Mastering The Art Of Pest Management

Mastering the Art of Pest Management: Your Ultimate Guide

by Hannah Gilbert
September 26, 2023

In the intricate tapestry of our ecosystem, pests play an undeniable role, both beneficial and detrimental. While some insects aid...

ADVERTISEMENT
  • About
  • Contact Us
  • Disclaimer
  • Privacy Policy

© 2023 All Rights Reserved ZOBUZ

No Result
View All Result
  • AutoMobile
  • Business
    • Finance
    • Insurance
    • Startup
  • Entertainment
    • Movies
    • Music
  • Fashion
  • Games
  • Health
    • Dental Care
    • Food
    • Fitness
    • Skin Care
  • Law
  • LifeStyle
    • Home Improvement
    • Houseplants
  • News
    • Politics
    • Science
    • World
  • Review
  • Sports
  • Tech
    • Crypto
    • Graphic Design
    • Digital Marketing
  • Tips
    • Apps
    • Gadget
    • Education
  • Travel

© 2023 All Rights Reserved ZOBUZ

Welcome Back!

Login to your account below

Forgotten Password?

Retrieve your password

Please enter your username or email address to reset your password.

Log In
This website uses cookies. By continuing to use this website you are giving consent to cookies being used. Visit our Privacy and Cookie Policy.