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Understanding Arizona Insurance Requirements

According to Police, twenty-two-year-old Anthony Ray Chavez, a former Marine, died early Sunday morning when his motorcycle crashed into the back of an SUV. The accident, which occurred on Warner Road, in Chandler, threw Mr. Chavez’s motorcycle into a light pole and Mr. Chavez a lengthy distance away from his bike. According to Chandler Police, Mr. Chavez was riding at least 90 mph and was likely impaired at the time of the accident. There were three adults in the SUV at the time of the accident, but they were not injured. According to Police, the driver of the SUV was not speeding at the time of the accident and did not appear to be impaired.

Under Arizona law, all persons operating a motor vehicle must carry liability insurance. Liability insurance does not protect the person at-fault for the accident. Rather, liability insurance protects the other parties involved in the accident.

Although Arizona law requires motorists to carry insurance, the injured party may not file a lawsuit directly against the at-fault motorist’s insurance provider. Further, in a personal injury lawsuit, the jury is not even allowed to know whether the defendant has insurance coverage. Finally, a defendant will be required to pay, out of his own pocket, for a jury verdict in an amount that is in excess of his policy limits.

In Arizona, a motorist’s insurance policy may also include a provision for uninsured or underinsured motorists. An uninsured policy protects the injured driver from negligent motorists who do not carry insurance. A person injured by an uninsured motorist will receive payment from his own insurance company for any damages that result from the accident.

Underinsured insurance coverage provides additional coverage against negligent drivers who do not carry sufficient insurance to compensate for a person’s injuries. A person injured in an automobile accident will first receive damages from the negligent driver’s insurance company and then may also be able to collect damages from his own insurance company for amounts in excess of the negligent driver’s policy.

Finally, Arizona motorists may also carry collision insurance. Collision insurance provides compensation to fix or replace your vehicle from damages resulting from the car accident.

At Oracle Law Group, we understand that insurance can be confusing and dealing with the insurance company can be extremely frustrating. Insurance companies are notorious for offering low settlements to even their own policyholders.

If you have been injured in an automobile accident, contact the personal injury attorneys at Oracle Law Group The personal injury attorneys at Oracle Law Group will help you deal with the insurance company and will make certain you get the compensation you deserve.