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Insurance Coverage in Car Accidents

Consult our Expert Attorneys for your Insurance Coverage in Car Accidents

When it comes to accidents, the road to recovery involves more than just physical healing. Insurance coverage in car accidents plays a crucial role in the aftermath. Insurance companies come into the picture, with agents from both sides assessing the extent of coverage and compensation their respective companies must provide their drivers.

Assuming both the victim and the drunk driver have insurance coverage in car accidents (as uninsured drivers present a separate issue), it’s important to note that simply the driver being drunk may not guarantee the injured victim receiving everything they are entitled to without a fight.

The injury attorneys at Phoenix Accident and Injury Law Firm in Phoenix have significant experience in helping clients who have been victims of DUI accidents and are struggling to get insurance coverage in car accidents. If you need help filing a claim for one of these awful, life changing accidents, we are here to help you get insurance coverage in car accidents you deserve. Our offices are conveniently located in ChandlerPeoria, and North Phoenix, and we can meet in-person or over the phone or video call.  You can contact us for a free consultation, or read on to find out more.

By the way, we will also help with other problems that have cost you sleep, like getting a rental car very soon and finding a nearby doctor or psychiatrist who can help get your life back on track. Even the best legal team isn’t good enough if your quality of life isn’t sustainable while justice and compensation are on the way. The whole point of legal action is to regain quality of life, so we help you long-term as attorneys and short-term as your go-to people. Our familiarity with the local Phoenix courts makes us confident that we can help you get the best settlement possible.

If you are unsure whether or not you can afford an attorney, don’t worry. We only get paid when you settle. Check out our Attorney Fees Calculator to find out more.

Read Our Client Reviews: Insurance Coverage in Car Accidents

“My experience with… [Phoenix Accident and Injury] Law Firm was incredible, professional, and educational. I had never been involved in anything legal-related before and the team at… [Phoenix Accident and Injury] Law Firm made me feel comfortable and educated me on how the process works. In an unfortunate situation, I was grateful to have this team by my side. I was also extremely pleased with the outcome!” – Michelle C. (Read this Review on Google)

“I had an excellent experience with Karissa and Shane. Shane guided me through every step of the way and communication was ten out of ten. Shane was honest, understanding, and not only made sure I was paid but made sure my injuries were handled by medical professionals. The team truly cared about my satisfaction and well-being. The process was easier than I thought it was going to be and I’m glad I chose them to handle my auto accident. They really are the best personal injury law firm in Arizona.” – Haftom A. (Read this Review on Google)

Car Accident Insurance Coverage

Arizona is a “fault” state, which means that the expenses incurred by parties (e.g., medical treatment, property damage, etc.) are divided among the parties per their allocated share of fault. What can be frustrating about this process is that insurance companies are often the arbiter of the percentage of fault for each involving party, and determine how much insurance coverage to pay out.

In these states, insurance companies are also able to withhold any settlement payments until the fault is determined. This means that a victim of a drunk driver not only may be forced to wait to receive payments for which they are eligible, they also may get assigned a portion of fault by the insurance company. Adding insult to injury, a victim of a drunk driver may then have to sue the careless driver’s insurance company to recover adequate damages before they can begin to put their life back together when their own insurance coverage doesn’t begin paying.

Personal Injury Lawsuits

The life of someone who has been injured by a drunk driver has been significantly disrupted, and if they are unable to receive the help they need to repair the damage done by another’s carelessness, it may cause long-term damage.  The last thing a victim wishes to do is file a lawsuit, as it may take months to resolve the issue. However, if a drunk driver’s insurance company determines that the victim is partially at fault for the accident, or if a victim does not receive sufficient compensation for their injuries, a lawsuit may be necessary to regain the insurance coverage they should have had in the first place.

The evaluation of fault is generally on either negligence or recklessness, both of which could be used to describe the actions of a driver who chooses to drink and drive. If the driver’s insurance company determines that the victim was partially at fault, that victim may be forced to prove in court that the drunk driver’s decision was such that any potential fault on their part was negligible in comparison.

For More Information, Take a Look at These Articles

What are my rights as a DUI victim who is struggling with insurance coverage?

Can I get paid for the frustration and suffering I have been experiencing because of dealing with insurance coverage after being in a DUI? 

If I have been a victim of a DUI, will I need to appear in civil or criminal court? 

What if the person who hit me has had a DUI more than once? 

What if the person who hit me has an open bottle of beer in the car? 

How can I get paid by the bar for overserving the person who hit me? 

Why are DUI accidents the worst type of accident to be in? 

Does a bar have liability for overserving customers in a DUI case?

How does the court calculate how much a settlement is worth in a DUI case where I am struggling to get insurance coverage? 

What happens if the drunk driver leaves the scene of the accident before giving their contact information? 

How do I know whether I have a case against the bar for overserving the drunk driver who hit me? 

What are peripheral injuries in a DUI case, and how can I prepare for them? 

What does it mean if I have a headache after my DUI accident? 

What are punitive damages, and what do they mean for my settlement? 

What is the BAC limit and laws in Arizona? 

How does a drunk driver impact who is determined “at-fault” in an accident, and what affect does that have on my insurance coverage? 

What are common defenses for DUI hit-and-run cases? 

Get Help Now with Insurance Coverage in Car Accidents 

At Phoenix Accident and Injury Law Firm near you, we have more than 15 years of experience helping clients obtain insurance coverage in car accidents for their personal injuries in the Phoenix area. When you’re ready to talk, please contact our office to arrange a free initial consultation by phone or at our Chandler office, conveniently located near you.

If you have been in a DUI accident, contact Phoenix Accident and Injury Law Firm in nearby Chandler, AZ to speak with an experienced personal injury attorney for your insurance coverage in car accidents. We provide personal injury legal services to clients who want to claim their insurance coverage in car accidents in your area including ChandlerGilbertMesaScottsdale, Tempe, and Peoria.

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(480) 680-8125

Brenden Lewis
a month ago

So I suffered a tragic motorcycle accident leaving me injured and quite unhappy…… also the bike was totaled. This all star law team secured a large settlement for all my suffering. This process was very well advised by an aggressive and determined lawyer. All I can say is now I’m left a very happy man. Thank you karissa for working quick to bring my tragic story to a much warmer end. Just call them! You won’t regret it!

Shayianna Guyton
a month ago

They literally conversed with me every step of the way throughout my journey. Thank you guys

I was very pleased with my experience. They kept me informed the whole way through the process and checked on me through my treatment. Definitely would recommend

My dad was in a car accident and during those difficult moments, Phoenix Accident and Injury Law firm has been there for us. They care for their clients, will walk you through everything you need to know step by step, they follow up, very easy to reach and fast to respond. And one thing is for sure! they will fight for you! we felt safe with them! Me and the entire family thank them all so much for all their help! These people that works here are amazing!

Jenifer henke
a year ago

I was in an accident that resulted in getting whiplash and a concussion. I contacted Phoenix Accident and Injury Law Firm that day. Everyone was helpful (Rhea, Karissa, and Jeff) from the very beginning to the very end. They sent me to a physical therapy location that was pretty far away but the doctor and physical therapist were very kind so I did make the trek. They handled all aspects of my case in a timely manner and answered all my questions. They got the max amount possible, and from that, paid the medical bills and took their fair cut. I would not hesitate to recommend them to family or friends.

I would give ten stars if I could. This law firm is about as professional and friendly as it gets!! They stayed in constant contact with me and answered every question I had. I got a settlement that was higher than I expected and will definitely use this law firm again. I highly recommend hiring them to handle your legal issues!!

Fernando Lopez
a year ago

My experience with this team was superb, as they were ongoing with the case and making sure that the client gets what they deserve. I recommend anyone looking for a accident law group that this is the team you want to be representing you!!

Kimberly Legaspi
2 years ago

What can I say about the Thompson Law Firm? They are AMAZING!! It’s never fun when you need an accident lawyer because you are pretty much in a bad place. Shane and the staff have been wonderful, kept me informed at every step of this process. I would recommend Thompson Law Firm to anyone, in fact, I have referred several friends already!! Thank you Thompson Law Firm for everything you did for me!!!

Amanda Olney
2 years ago

These guys were absolutely amazing. They were very clear with me about what I needed to do on my end and I saw fast results. I just recommended them to a friend a week ago and he also dealt with my mother's case. I wouldn't see anyone else.

2 years ago

Karissa and Shane were amazing! They were there for any questions I had and checked up on me regularly. Highly recommend these guys!!

Karissa Murphy
2 years ago

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