If you have been injured in a car accident, now may be the right time to reach out to a car accident lawyer Maricopa County, AZ has to offer. Even though you have approximately two years to take legal action, there is a risk of evidence being lost or destroyed. The sooner you get legal help, the better your case may be. Call the Saavedra Law Firm for a case review and a consultation.
Understanding the Insurance Company
Insurance companies are for-profit companies. Their interests likely do not meet your interests – especially when you are seeking compensation after an accident. Their goal will be to pay the least amount possible. This means that it is very common for a valid car accident claim to be drastically minimized in their value or overall severity. Without a Maricopa County, AZ car accident lawyer on your side, you may be offered much less than what you need or deserve.
Our firm has decades of experience in negotiating fair settlements with insurance companies of all sizes, as well as litigating cases in court.
Arizona Insurance Coverage
In Arizona, all vehicles must be covered by a policy that includes liability coverage for at least the following amounts:
Uninsured or underinsured liability coverage is not legally required. This coverage is important because it will cover you in case you are injured in an accident, and the at fault driver has no insurance, or very minimal coverage. Furthermore, if their policy won’t be enough to cover your damages, your insurance company should cover the remaining expenses – up to the limits.
Who Is Responsible for Paying Your Bills?
After a car accident, your medical expenses may be substantial. In addition to surmounting bills, you may have no income coming in because of your inability to work. The financial distress facing you could be slowing down your recovery. When you think about the fact that the accident could have been avoided, you may become upset and overwhelmed. A car accident lawyer in Maricopa County, AZ may be able to help you.
First and foremost, it is important to understand that who will cover your financial losses will depend on whether you were at fault or another party was. If you are at fault, your medical insurance should pay for your medical bills. In this case, you would be responsible for any copay or deductible. If another party is to blame, their insurance company will be responsible for all medical expenses.
In the event you have been injured by an uninsured motorist, you or your Maricopa County, Arizona car accident lawyer can submit your medical expenses to your own insurance company – as long as you have UM or UIM coverage.
The at-fault party’s insurance company won’t pay your bills until your claim has been resolved. In this case, you don’t have to do anything about your bills. Your car accident lawyer should talk to all of your doctors about your claim, and in most cases, they should agree to wait for payment. In some cases, you can ask your insurance company to cover your bills for the time being. Your insurance company will then ask the at-fault party’s insurance company for compensation/ reimbursement.
To explore your legal options, call the Saavedra Law Firm, PLC to speak with a car accident lawyer in Maricopa County, Arizona.