Phoenix residents may contact an attorney if their insurance coverage does not pay after an accident
Phoenix, AZ – A problem that many drivers deal with after a serious car accident is when an insurance claim will not pay for any or all of their losses. Anyone who is in this situation should take some time to review their situation, talk to their insurance provider, and consult with a local law firm if necessary. As a general rule, cases that involve some kind of permanent medical problems or long term injuries caused by another driver are usually the best candidates for litigation, rather than less serious accidents that can be handled through the insurance process where the company issues a check after an investigation to cover smaller amounts.
Making an insurance claim and documenting losses
After all accidents, it is important to contact the insurance provider. This is required by the terms of the insurance policy and other regulations in most states. A person who has recently gotten into an accident but does not notify the provider as soon as realistically possible risks having their coverage dropped. In some cases, especially minor accidents, the insurance company may issue funds to repair property damage and other losses after receiving a claim. It is best to retain copies of all relevant documentation and evidence related to the accident. The official report from the police, photos of the scene, and documentation related to the insurance claim can be very valuable in a civil lawsuit.
The state of Arizona maintains an extensive amount of information related to auto insurance through the Department of Insurance.
When the insurance process is insufficient
If the insurance company has not paid enough, or refuses to pay any amount at all based on the policy terms and specifics of the accident, it may be beneficial to talk to a lawyer. Especially after serious accidents that cause long term injuries and require significant medical treatment, a lawsuit may be the only way to recover a large enough sum to cover the financial losses. Many accident lawyers will also work on a contingent fee if they take your case, meaning that they are paid out of the winnings of a verdict or settlement rather than the client having to pay for their services up front. Most lawsuits related to motor vehicle accidents resolve through a settlement agreement if the fault of one party is clear. This is beneficial to plaintiffs, as their cases can be resolved quickly without lengthy court battles and the costs associated with litigation.
Learn more about if a civil car accident lawsuit is appropriate
There are attorneys in the Phoenix area who provide advice related to car accidents and dealing with insurance claims every day. Southwest Injury Law is a reputable firm that has assisted numerous clients with their years of relevant experience.
Firm contact info:
4425 North 24th St., Ste. 225, Phoenix, AZ 85016
602-777-3300
www.southwestinjurylaw.com
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