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How an auto accident in Arizona may affect your insurance

by | Dec 15, 2016

Car crash accident on street

How Will A Recent Arizona Car Accident Affect Your Car Insurance and What Can You Do About It?

If you’re in an auto accident in Arizona, there is a possibility your car insurance rates will increase. Arizona is not a “no-fault” state, so you have options when it comes to filing a claim: you can file a claim with your insurance company; with the other driver’s insurance company; or file a lawsuit for damages. Here are a few scenarios:

  1. You’re partially responsible for the crash –If you partially caused the accident, the other driver may report the accident to your insurance carrier, whether you do file a claim or not. You will likely see a rate increase to follow.
  2. You aren’t responsible for the accident – If you were 100% the victim, you do not have to file with your insurance company. Instead, you can file a claim with the other driver’s insurance company. If the other party doesn’t have insurance, you can file with your company and let it pursue the other driver, but that may affect your rates–depending on the company and the crash circumstances. Your other alternative: file a lawsuit on your own.
  3. Your car was totaled – If your car was totaled and the other driver was at fault, their insurance company should cover the recovery costs of your vehicle. If you were at fault, then your recovery will depend on the coverage you have. And expect to see your rates increase.
  4. You can’t work because of accident-related injuries – If the car accident leaves you jobless, you may be able to sue the other party to recover lost wages.

If you were in a car accident, call an attorney to discuss your legal options, so you can obtain fair and complete compensation and hold the other party to justice. Our experienced, compassionate team is standing by to provide a private, no obligation consultation.


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