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Filing car accident claims can be complex, but getting them right can have a huge impact on your eligibility for personal injury compensation. This is especially true if the at-fault party is insured by one of the many companies that will put you under pressure to settle for less compensation than you should, or to accept some element of liability.
We know that being involved in a car accident can be massively distressing and cause lasting trauma, and some less scrupulous insurance providers may take advantage. This is why we speak to so many car accident victims who need professional legal representation to get the payout they’re rightfully owed.
This guide shares links to advice about filing a car accident claim with several of the largest vehicle insurance companies in the US, with our insights about things you need to do to reach the legal outcome you deserve.
Here in Arizona, if you’ve been involved in a collision or car accident that wasn’t your fault, as a bystander, motorist, pedestrian, or property owner, you’ll need to file a claim directly with the insurance provider of the other party.
We’ve shared links to our more detailed guides about filing insurance claims after a car accident with some of the most-used insurers, so if you’re about to submit an insurance claim, these are well worth reading through and can help you decide whether you need a car accident lawyer to help.
To give you an idea of the insurance providers you may find yourself dealing with, we’ve put together a quick list of the most-used insurance companies for both car and truck drivers, the latter of whom may be insured through an employer:
Other insurance providers, such as Travelers, Liberty Mutual, and Old Republic, are also among the top auto insurers and are widely used to insure cargo and commercial vehicles. In Arizona, if you’ve been involved in an auto accident, you’ll need to contact the relevant company directly to submit a non-customer claim. You can lodge an insurance claim either by calling the relevant number or by completing a form on the insurer’s website.
The first priority after a car accident is to ensure you’re safe and well, and to seek medical attention. After an accident, car drivers should never leave the scene until they are certain they can do so, as many injuries, such as a concussion or spinal damage, may not be immediately obvious. You’ll also need to contact the police, particularly if there are serious injuries or property damage, because you will require a formal report.
Arizona is an at-fault state, which puts the emphasis on the insurer representing the at-fault driver. However, without sufficient legal evidence, you could find yourself amid a contested claim, which can add to the distress associated with a car accident that wasn’t your fault.
If you have suffered significant injuries, irreparable damage to your vehicle or property, substantial lost income, and other hardships, you may need an auto accident legal specialist to file a formal lawsuit on your behalf.
Fortunately, most car drivers won’t be involved in any serious accidents in their lifetimes. However, this means that there are too many cases where motorists and pedestrians are affected by careless, reckless, or illegal driving and have no idea how to proceed or complete a claim form correctly.
This also means it’s easy to make mistakes, only to find this means your car accident claim won’t deliver the results you’d hoped for. Let’s look at a few of the claim errors we encounter and how to ensure they won’t apply to you.
If you’re filling out a claim form, we’d like to reiterate that you can find more specific guidance through our complimentary resources, which cover all major US insurance companies. These can go a long way to avoiding issues further down the line. Read more about filing a claim with State Farm.
The first step in any compensation submission for property damage, medical costs, and suffering is to ensure you have the right knowledge about what to do next. This is why we’ve created individual guides to explain how the process works following car accidents of varying severity through each of the primary insurance providers.
Insurers will normally need to know the details about the car accident within thirty days, which can feel very fast if you’re still dealing with the medical repercussions of a car accident. You can review our guides, contact the insurer directly, or check their website for more details about time constraints.
Delays can be costly, and we recommend starting the process as soon after the car accident as possible or enlisting the help of a friend, family member, or an accident attorney to ensure you don’t exceed time limitations while recovering.
If you’re struggling with the claims process, don’t understand how to submit your compensation request, or have experienced a contested claim that you’re unsure how to respond to, you are welcome to contact Gage Mathers at any time. Our car accident attorneys have experience at the trial level, and we will always be happy to provide sensitive, respectful support to guide you through the process and ensure that you receive the best possible financial compensation!
Personal Injury & Accident Lawyers in Arizona
Speak to one of our personal injury attorneys and learn more about the legal options for your accident claim.
If you or a loved one has been seriously injured, please fill out the form below for your free consultation or call us at (602) 258-0646
2525 E Arizona Biltmore Cir #A114, Phoenix, AZ 85016
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