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Car Accident Lawyer Phoenix Arizona

Are you sufficiently insured for a car accident?

Everyone who owns a car needs car insurance that will cover them for property damage, medical bills, and potential liability. Car insurance is required by state law. It is also necessary to protect you from financial losses in the event of a car accident in Arizona.

3 Reasons to have Car Insurance

The National Association of Insurance Commissioners provides its recommendations for buying automobile insurance. One key component of purchasing Arizona car insurance is understanding the different types of insurance coverage.

Types of Car Insurance

In Arizona, insurance options include:

  • Liability Coverage, which pays for bodily injury you cause. However, it does not apply to your injuries.
  • Uninsured Motorist Coverage, which pays for your bodily injuries if the person who caused the crash does not have insurance. In fact, there are a lot of people driving without insurance.
  • Under-insured Motorist Coverage, which pays for your bodily injuries if the person who caused the crash does not have sufficient insurance coverage to adequately compensate you. There are a lot of people driving with the bare minimum insurance, which is woefully insufficient in moderate to severe crashes.
  • Property Damage Coverage  for damage you cause to other people’s property.
  • Collision Coverage, which pays for damage to your vehicle from a crash (e.g., car crash, hitting a highway barrier, or utility pole).
  • Comprehensive Coverage covers the damage to your vehicle from other non-crash causes (e.g., theft, fire, vandalism).
  • Medical Payment Coverage, which pays for medical expenses for anyone injured in a crash, including pedestrians. It will also pay for funeral expenses.
  • Rental Reimbursement Coverage, which pays for a rental car while the vehicle is being repaired from a crash.

Car Accident Help Phoenix Arizona

Insurance Recommendations

Based on the sad stories we’ve seen over the years, we highly recommend people purchase all eight types of coverage. This is the only way to ensure you have good protection if you are in a crash. If you can afford it, buy insurance with high limits. In addition, keep in mind that you can lower your insurance premium with a higher deductible. The deductible is the amount you agree to pay out-of-pocket before your insurance company pays anything.

 

Buy gap coverage!

Did you take out a loan to buy your car? Due to inflation and increasing interest rates, you could end up making car payments on a totaled car!

What to do after you have been in a car accident

Gage Mathers has several suggestions on what to do after a car accident, what to do if you are hit by an uninsured driver, and our mega article about car accidents in Arizona and why you probably need a lawyer if you were injured.

If you or someone you know has been in a car accident in Phoenix, Mesa, Tempe or other city in Arizona, reach out to Gage Mathers for a free consultation. And if you want to learn more about car accident law in Arizona, look at the rest of our free articles on Arizona Car Accident Law.