Phoenix’s No-Fault Insurance Laws

Phoenix does not have no-fault insurance laws. Phoenix follows the same car insurance laws as the state of Arizona, which is an at-fault state. This means drivers may file a claim against an at-fault driver in a vehicle accident to recover money for damages and medical expenses. 

If you or a loved one has been injured in an accident, a Phoenix car accident lawyer like Gage Mathers can help. We understand Arizona insurance law better than anyone. Here is a guide about at-fault and no-fault insurance laws, and how Arizona handles car accident insurance claims:

How Does an At-Fault State Work?

Arizona is one of thirty-eight states in America with an at-fault insurance system. ‘At-fault’ means the driver who caused the accident is responsible for paying for the damages. 

Typically, the driver who was not at fault will file a claim with the other driver’s insurance. Because any driver could be at fault, Arizona requires that all drivers carry minimum liability insurance. 

One of the complications of an at-fault system is that fault must be decided before money can be paid. It often involves police reports and evidence, such as traffic cameras and photos from the scene. 

Because fault may be difficult to determine in some instances, compensation can take weeks or months. Thankfully, personal injury attorneys can help guide clients through the process, seek a speedy decision, and get the money they need. 

Misconceptions About Arizona Law and No-Fault Insurance

Under a no-fault system, both drivers file a claim with their insurance companies after an accident. Regardless of who was at fault, each driver will be paid by their insurance company. 

Understanding Arizona’s at-fault system is important in order to avoid confusion. Getting first-class auto insurance is an important step. It can protect you if the other driver has no insurance. 

Dealing with an at-fault state insurance system requires certain steps after an accident. A personal injury attorney can also help explain things.

What to Do After a Car Accident in Phoenix

Immediately after an accident, check if anyone was injured, and contact the police right away. Because of Arizona’s at-fault insurance system, getting as much evidence as possible is critical. 

Take photos from all angles. Video is also recommended as it may catch audio that can be used as evidence later. All of this can be used to determine fault in the accident and make the claims process much faster. Always exchange information with the other driver such as licenses or ID, insurance, and license plate information. 

After talking with the police, many people contact their insurance providers. This isn’t the best idea. The insurance company’s only goal is to pay as little as possible. 

Instead, your next call should be to a personal injury attorney like Gage Mathers. We can help guide you through the process and fight to help you recover the money you deserve. 

How Gage Mathers Can Help

In Arizona’s at-fault system, it is essential to have a personal injury attorney at your side to help you navigate the system. At Gage Mathers, we know that protecting your rights after a car accident in Phoenix is important. 

Too many car accident victims accept an insurance company’s first offer after an accident. Accepting this can be a huge mistake that can lead to the loss of tens or hundreds of thousands of dollars. Some may not even understand they have a right to decline this offer.

Because we understand the system so well, we can assist you in properly filing claims. We will also work to gather additional evidence that the investigating police officer may have been missed. This evidence can be crucial to winning a case. 

Gage Mathers is also prepared to take your case to court to fight for your money if necessary. We offer free consultations and we only get paid if you win your case, meaning that there is no out of pocket cost to you. Don’t wait until the medical bills start piling up–call us today!

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