Navigating Rear-End Claims With Multiple Insurers

When filing a rear-end accident claim with several insurance companies in Phoenix, Arizona, you need the help of an experienced Phoenix car accident attorney who can guide you through the many hurdles involved in the process.

Let’s dive into the process of filing a rear-end claim with multiple insurance companies and how to make it less complicated.

When Can a Rear-End Accident Claim Involve Several Insurers?

Dealing with a single insurance company when filing a personal injury or car accident claim is hectic as is. Adding several other insurers to the claim makes it a nightmare.

Multiple Vehicles Involved

Most rear-end accidents happen when vehicles pile up, such as when three or more vehicles crash into each other from behind during emergency braking, tailgating, or due to poor road conditions. In such cases, filing a claim with multiple insurers is inevitable.

Commercial Vehicles

If the accident involves a commercial vehicle such as a courier van, rideshare car, or delivery truck, there will likely be multiple insurance policies involved, including commercial and individual policies.

Whether you’re a rideshare driver or a passenger, it’s important to know how rear-end accidents affect rideshare passengers, particularly when filing a claim. Your car accident and personal injury attorney should explain this situation clearly before filing the claim to avoid confusion.

Different Car Owners and Drivers

If the liable drivers aren’t the owners of the cars they’re driving, they may have different insurers and policies.

When Multiple Insurance Companies May Be Involved in a Rear-End Accident

How to File a Rear-End Accident Claim with Several Insurers

For your claim to be successful, you need an experienced car accident and personal injury attorney to help you pursue the liable drivers, car owners, and their insurance companies.

Choose a lawyer who has handled similar cases before and has experience in negotiating rear-end accident settlements.

Identifying the Available Insurance Policies

As mentioned above, in a vehicle pileup incident, multiple drivers and car owners will have different insurance policies. Your attorney will analyze these policies and determine how to include them in your claim.

Pursuing Main and Secondary Insurers

Primary insurers should be pursued first because their clients are at fault and they will need to pay for the main damages. Once the main insurance policies are exhausted, you can pursue the secondary ones for minor damages.

Beware of the Statute of Limitations

The Statute of Limitations in Arizona applies to car accidents, including rear-end collisions. Therefore, you must file your claim within two years after the date of the accident to qualify for personal injury compensation.

Final Thoughts

Many circumstances can lead you to file a rear-end accident claim with several insurance companies. The easiest and safest way to navigate this process is to hire a qualified and experienced car accident and personal injury attorney.

At Gage Mathers, we assist accident victims in pursuing compensation from multiple insurers and liable parties, ensuring cooperation by all parties involved. Reach out to us today for your free consultation.

About the Author

Joseph D'Aguanno

Guided by the belief that being a highly skilled specialist in a narrow field is better than being ordinary in everything, Joseph “JD” D’Aguanno leads Arizona’s best personal injury law firm in Phoenix, AZ. Having extensive cross-training in pre-litigation negotiations and trial lawyer skills, with decades of experience, JD strives to provide clients with the most valuable legal services a personal injury lawyer can provide. Under his direction, Gage Mathers Law Group is an award-winning personal injury law firm providing aggressive representation to victims of a car accident, medical malpractice, dog bite, motorcycle accident, and other injurious events. Gage Mathers is trusted by thousands of lawyers and clients throughout the country because of their reputation for getting clients the maximum compensation they deserve.

Years of experience: Over 24 years
Bar number: 020421
Location: Phoenix, AZ
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