Phoenix Bad Faith Insurance Attorneys
Arizona is a liability state, which means that no-fault car insurance is unavailable to the state’s drivers. Few people know that their coverage includes representation by a defense lawyer when they are at fault in an accident. Insurance companies are obligated to provide a defense to their insured without cost, sometimes they do not, without having good reason. That can be bad faith. This is just one common example of insurance bad faith on the part of automobile insurance carriers.
Experienced Insurance Bad Faith Lawyers
At Surrano Law Offices in Phoenix, our attorneys help drivers whose insurance carrier failed to provide them with the benefits promised in their policies. If your insurance company has delayed payment, not represented your interests, or denied your auto accident claim, you may have an insurance bad faith claim. Contact a lawyer to learn about your options and rights. Call us at 602.264.1077. We have been handling bad faith insurance claims for more than 25 years. Let us put our experience to work for you.
In addition to failing to provide a defense lawyer for insureds after an accident, auto accident insurance companies are known for delaying damage payments under collision coverage. They may not investigate the accident quickly. Even if they do, they seldom offer fair market value for the totaled vehicle. They are causing you financial harm, and not living up to good faith requirements of the insurance contract.
Delay in Handling Uninsured Motorist Claims
Underinsured or uninsured motorist coverage is an add-on to your own automobile liability insurance. These benefits pay for your injuries and damages when you are in an accident with someone without insurance or without enough insurance to cover your claim. Insurance carriers are known to delay payment of claims when you need the benefit most to cover your medical costs and fix your car.
Failure to Settle
Another example of insurance bad faith by car insurance companies is the all-too-frequent situation involving a claim against the insured after an accident in which he or she was at fault. The insurance company may fail to try to settle the claim with the third party, with a resulting judgment that exceeds the policy limits.
What Are Arizona’s Minimum Car Insurance Requirements?
Minimum car insurance requirements in Arizona differ from other states. Arizona May unexpectedly experience dust storms that decrease visibility, flash floods, fires, and several other natural weather conditions. Arizona requires drivers to have a minimum amount of insurance in order to protect themselves and other drivers on the road. Any time a police officer stops a driver, the driver must show proof of insurance. A lack thereof may result in a citation, suspended driver’s license or suspended vehicle registration.
The minimum car insurance requirements in Arizona are as follows.
- Bodily injury liability coverage – minimum $15,000 per person and $30,000 per accident
- Property damage liability coverage – minimum $10,000
- Uninsured motorist bodily injury coverage – minimum $15,000 per person and $30,000 per accident
- Underinsured motorist bodily injury coverage – minimum $15,000 per person and $30,000 per accident
Arizona residents may choose to have more coverage, but they must include this coverage at minimum.
What Are Common Types of Auto Accidents?
Any type of auto accident can occur at any moment, but some collisions more commonly occur in Arizona. The following are the most common types of auto accidents.
- Head-On: Also known as the deadliest car crash. These types of collisions often result in serious injury if not death, and can include a wrongful death claim.
- Rear-End: This type of accident is common. Rear-end collisions are when one driver crashes into the back of another vehicle. The individual who hit the rear-end is usually at fault. The best way to avoid rear-end collisions is by maintaining a safe distance away from other drivers.
- T-Bones: T-bone crashes happen when one car hits another directly in the side, resembling a T. This type of crash usually occurs at intersections. The individual with the right of way will not be at fault.
- Sideswipes: Sideswipes are very common. They also occur to the side much like a T-bone but at more of an angle. This type of crash is common in parking lots or at turns in the road. The individual with the right of way will not be at fault.
- Merging Collisions: A merging collision is when a driver merges into another lane and accidentally hits a car in its blind spot. The driver who merged is usually responsible for failing to make sure the lane was clear before merging.
- DUI/DWT: Driving Under the Influence (DUI) and Driving While Texting (DWT) are also very common and frequently fatal. The driver under the influence is almost always at fault.
Contact our Arizona Car Insurance Claim Attorneys Today
If you been in an accident and have experienced insurance company behaviors like these, do not rely on your insurance carrier to help you — it will probably not happen. Contact a lawyer who is willing to work for you to resolve your insurance problems after an auto accident claim.
Serving clients throughout Arizona and the United States with insurance bad faith lawsuits.