If you have been injured in a car accident, now is the right time to reach out to a car accident lawyer Maricopa County, AZ residents trust. 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 stronger your case may be. Call the Saavedra Law Firm for a case review and a consultation.
How the Personal Injury Process Works
Not all car accidents are legally actionable. Sometimes, accidents happen and the cause is no one’s fault. For example, if all motorists involved are traveling at safe speeds down a well-maintained road and lightning strikes, causing one car to swerve into another to avoid the impact, the crash was the lightning’s fault – not anyone else’s. Similarly, some single-vehicle crashes are solely the fault of the driver involved, so that accident victim can’t hold anyone else accountable for the harm they’ve suffered. However, most of the time, car accidents involving more than one party are caused by factors that are legally actionable.
In order to bring a successful personal injury claim against another party, you must prove three things. First, you must prove that the driver, auto parts manufacturer, trucking company, or other party that caused you harm owed you a “duty of care” under the law. This isn’t usually a difficult standard to meet in a car accident case because everyone who travels or facilitates travel by road owes others on the road a duty of care. Second, you must prove that the defendant named in your case failed to uphold their duty of care by acting in ways that are legally considered to be negligent, reckless, or intentionally dangerous. Finally, you must prove that the negligent, reckless, or intentionally dangerous conduct of the defendant directly caused your injuries.
Once you attend a consultation with our firm’s experienced Arizona legal team, we’ll ask you questions about the circumstances that led to your accident. We’ll then give you our objective analysis regarding whether you may have reason to file a personal injury case. At that point, if you choose to pursue legal action, we’ll begin gathering evidence and crafting a legal strategy on your behalf. Nine out of 10 personal injury cases settle before trial, so it is unlikely that we’ll need to take your case to court. However, while we’re negotiating in the hopes of obtaining a fair settlement on your behalf, we’ll prepare your case to ensure that it is ready for trial in the event that your case progresses that far.
Considerations if You Were Driving for Work When You Crashed
Note that you may have somewhat different options available to you if you were driving for work-related reasons when you crashed. Provided that you weren’t impaired at the time of your collision, that you didn’t initiate a road rage incident, and that you weren’t trying to hurt yourself, you may be eligible for workers’ compensation benefits as long as you were engaged in work-related travel at the time of your accident. Eligibility for workers’ comp benefits will not prevent you from filing legal action against others involved in your crash. The only party you cannot sue directly if you are eligible for this type of compensation is your employer. If you aren’t eligible for workers’ comp benefits, your personal injury claims options will remain the same as if you hadn’t been working at the time of your accident.
Understanding Insurance Companies
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.