Insurance Claims in Arizona | Phillips Law Group
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Statistics provided by the National Highway Traffic Administration demonstrate that an automobile accident is likely to happen every minute of the day averaging 5.25 million accidents a year across America.
Recognizing that this alarming number of accidents takes place, it is imperative to possess auto insurance of some form because the results of not having insurance could be devastating. In fact, possessing car insurance is a legal requirement prior to operating your vehicle on our Arizona roadways.
At Phillips Law Group, our auto accident attorneys believe that if you or someone you love has been injured in a car crash by a negligent individual that does not possess car insurance; the victim of the accident may be eligible to receive compensation for their losses and damages. Our attorneys believe that these negligent individuals must be held accountable for all their actions in the court of law and we will seek the maximum compensation for all our clients losses.
To learn more, simply complete the Free Case Review form on this page Its 100% FREE!
Types of Car Insurance Claims and Coverages
As accidents are happening ever minute across the United States, possessing auto insurance is a critical part of being a responsible driver, not to mention, the outrageous costs for paying for any medical expenses and damages caused by an uninsured motorist. Thus, there are several different car insurance types to choose from to best fit your needs.
Some types of car insurance include:
- Liability Insurance
Liability insurance covers the cost of repairing damages to any property including vehicles, buildings, and medical expenses. The minimum amount of liability insurance required for Arizona motorists includes the following:
- $10,000 property damage coverage per auto accident
- $15,000 bodily injury coverage for one person in a single auto accident
- $30,000 bodily injury coverage total per auto accident
Of course, it is recommended to go beyond the minimum requirement, due to the fact that individuals are responsible for any claims that go beyond the coverages upper limit. Thus, we will not need to pay as much out of our own pocket if we have caused a more severe accident.
- Comprehensive Insurance
Comprehensive insurance protects your car if any damages are caused to it such as; weather damage, vandalism, an animal collision, or theft.
- Collision Insurance
Collision insurance protects us against having to pay damages to our own vehicle, while it holds the insurance company responsible. Thus, if your automobile becomes totaled, an insurance agency will pay a certain amount for your car.
- Personal Injury Protection
Personal injury protection covers any injuries and medical expenses that have been sustained to you and your passengers during an automobile accident. Of course, this may not be necessary provided that you have an adequate health insurance plan.
- Uninsured Motorist Protection
Uninsured motorist protection covers damages that are caused by another individual that does not possess insurance, has low minimums, and does not have the ability to pay for all the damages out of pocket.
- Gap Insurance
Gap insurance is beneficial for those that owe more on their vehicle than if they were to sell it, due to the fact that many insurance agencies will cover the actual value of the automobile, rather than the actual cost of replacing it. In many cases, it is required until you pay off your car; so many individuals possess gap insurance knowingly or not.
No matter if an individual decides to possess the most basic form of insurance, or the most expensive, it is still our duty as Arizona residence to possess some form of automotive insurance. Additionally, the repercussions of having no insurance are simply not worth it.
Penalties for Failing to Maintain Financial Responsibility in Arizona
In Arizona, if you are caught operating your vehicle with no proof of insurance, an individual will risk suspension of their vehicles registration and possibly driving privileges. In order to clear this suspension and individual must do the following:
- Provide the proper proof of auto insurance for the alleged coverage lapse, or
- Submit a SR-22 form, which certifies that an individual now possesses liability coverage, while also paying a $50.00 reinstatement fee.
Clearly, it is better to possess the proper car insurance prior to driving on our roadways. It is not worth the risk of paying for other damages and medical expenses, along with losing all driving privileges.
Contact an Experienced Arizona Attorney
At Phillips Law Group, our attorneys believe that any negligent act by another individual, either negligent individuals causing injuries or damages, or insurance agencies not holding up to their end of the bargain, must be held accountable for their actions in the court of law.
With our primary office in Phoenix, we are licensed to serve the entire state of Arizona.
Some locations we serve include:
- Paradise Valley
- Sun City
To learn more about how our Phoenix auto accident attorneys can help you achieve justice in the court of law, or to schedule a free no-obligation consultation, we welcome you to contact us at 1-800-706-3000 where a member of our intake team will gather information about your accident and connect you with one of our attorneys ready to handle your specific case.
Begin now by completing the Free Case Review form on this page Its That Easy!
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I didn’t know anything about the area, and Phillips Law Group just took care of everything. They helped made sure I knew where I was going, made sure I didn’t have to worry. They literally just took care of me.
Juan Roque has been integral with my legal needs. Communication has been easy. He conveys information I can easily understand without a lot of "Legal Fluff" jargon. I will certainly do business with Phillips Legal team again and refer them to my friends and family.
Definitely recommend! Awesome
My review is for Kathy Hudson a legal assistant at the law firm. She is great! She is very professional and a fair based person. She was never rude to me and always called me back. She listened to me and had my best interest as number 1. Mr Nasir who is a supervisor at law firm also was very professional and helpful. Not sure if spelling his name correctly but sorry if not. As far as mr Ross and the lady that runs the front desk reception I would say they are the most unprofessional and rude people I have met at a law firm in my life especially beings they were representing me. But Kathy made it overall a better experience. Thx Kathy.
I would like to send special thanks to Phillips Law Group for giving me the opportunity to be a part of the Best Law Firm here in the Valley. During these troubling times with the epidemic, Phillips Law Group has masterfully created this family-like environment while still maintaining a professional and business-like approach for all their clients. Thru impeccable leadership that is unmatched by other law firms to the Multi-diverse employment opportunities that many employees advance within the firm; Phillips Law Group has not only distanced themselves from all other competition in the Personal Injury field but also has innovatively changed the narrative of being a great law institution. From providing Employee Appreciation Day to celebrating all major Holiday including great competitive contests; Phillips Law Group has the total participation of all employees to help contribute to the continued success of this firm. So in closing I would like to thank Senior Administration (Jeffery Phillips, Eva Chiaramonte, and Tim Tonkin) along with all of my colleagues and many friends for help making Phillips Law Group a unique and wonderful place to call my place of employment for 6+ years.
Many companies talk about teamwork but few practice it. Many companies talk about an employee friendly environment but few actually provide it. At Phillips Law Group the foundation of our success is making sure we work as a team and that we work in an environment that allows everyone to thrive and be at their best every day. Our firm understands that in order for the client to have a great experience the people responsible for that client’s case must be given all the necessary tools and encouragement to make that happen. That’s the Phillips Way. As a manager of this firm in charge of several employees as well as directly affecting the client’s experience I take tremendous pride in saying we live by these premises and we work hard to build on them and make them better every day. This is an amazing place because it has amazing people working here!
Phillips Law Group provides a collaborative environment in which both attorneys and staff work together to achieve the best outcome for clients. As an attorney here at PLG, I’m lucky to be surrounded by seasoned attorneys and knowledgeable staff that share my enthusiasm for helping accident victims. The team here at PLG treats clients with respect and empathy while fighting hard to get the results they deserve.
It’s an Honor and a Privilege to work for a company that cares about its employees and clients for 12 years. I’ve seen Management go out of their way to help someone whether it’s a personal matter or work related. I am also reminded of many occasions where a Client needed urgent help and we as a Team were able to get the person immediate assistance. At Phillips Law we make that happen through Teamwork and a dedication to our profession. I’ve had numerous jobs in several other fields, those were just jobs. This is a home. Many of us have been here for quite a few years, it feels like one large extended family.
Sophia H is very helpful.
Jasmine Delgado is an amazing paralegal. She was patient, kind and extremely knowledgeable. Highly recommend Phillips law group