What if the At-Fault Driver Died in the Crash?
Some negligent drivers do not survive the accidents they cause, but the victims do. When this happens, victims may be unsure about their options for seeking compensation for damages, such as medical expenses and lost wages.
Can you still file a claim with the deceased’s insurance company? Will you be seeking compensation from the decedent’s surviving family members?
These and other questions are all things that can be discussed in a free legal consultation with a licensed Phoenix auto accident lawyer at Phillips Law Group. We understand the concerns victims of these crashes may have and we are prepared to help. Our firm operates on a contingency fee basis, which means there are no upfront fees or obligations.
Below, we discuss car accident claims involving deceased at-fault drivers.
General Rules About Car Accident Claims
Arizona is an at-fault state when it comes to liability for damages from a car accident. What that means is the at-fault driver is liable for damages caused by the crash. In other words, if another driver caused a crash, the victim has the right to seek compensation from him or her. Typically, the liability insurance of the at-fault driver steps into his or her shoes and pays out compensation for damages.
You also have the right to file a lawsuit against the at-fault driver, where the liability insurance would also step in to handle the case and pay out damages However, it is important to note most claims do not end up in court.
How Could the At-Fault Driver’s Death Affect Your Claim?
Even if the at-fault driver dies in the crash, you should be able to seek compensation from his or her insurance policy. The policy should still be in effect because the crash occurred while the at-fault driver was still alive.
Some victims may be concerned about pursuing compensation from the at-fault driver’s surviving family members. That is a valid concern because most people would not want to do that, even though the deceased caused the crash. Victims often feel sympathetic to the surviving family because they just lost a loved one.
However, you would be pursuing compensation from the insurance company. In most cases, it is unlikely you would have any contact with the surviving family members. If your claim is successful, you would be recovering compensation from the insurance company, not the surviving family members.
What if the Insurance Policy Does Not Cover My Damages?
It is possible your damages could be worth more than the value of the at-fault driver’s liability insurance. If that happens, you may be able to file a claim against the underinsured motorist coverage in your own car insurance policy. Such a claim may cover the difference between the value of the at-fault driver’s insurance and the full cost of your damages.
What if the Other Driver Did Not Have Car Insurance?
You may be able to file a claim against the uninsured motorist coverage in your own insurance policy. This coverage is meant for situations like hit-and-run accidents and accidents with drivers who either did not purchase insurance, or drivers whose insurance policies lapsed.
It is important to note uninsured/underinsured motorist coverage is not required in Arizona because drivers have the right to reject this coverage in writing. However, most drivers have it because they choose not to reject the coverage. Even though there is additional cost, it can be well worth it if you get into a crash with an uninsured driver.
What if My Uninsured Motorist Coverage Runs Out?
In these situations, your attorney may be able to file a claim against the deceased’s estate for damages. The personal representative of the estate is often a family member of the deceased. However, you and your attorney would likely be dealing with the representative’s attorney.
You may become involved in the probate process, during which the estate is divided up to settle debts and deliver inheritance money according to the deceased’s will. You would become a creditor with a claim on the estate. If you settle or win your case in court, the estate may be ordered to pay its debt to you.
It is important to remember it is rare for a car accident claim to be filed against the estate of a deceased driver. These claims are likely to be resolved through an insurance settlement.
Proving a Case Against a Deceased At-Fault Driver
The deceased driver’s death does not automatically prove he or she was negligent in the crash. Your attorney will still need to gather evidence and build a case to recover compensation from the insurance company. You can be sure the insurance company will be looking for some way to deny or undervalue the claim.
Whenever possible, crash victims should try to take steps to document the scene, as this can help their attorney build a case. For example, pictures taken at the scene after the crash can be helpful. Statements from witnesses may also help an attorney establish what happened in the crash and how one of the drivers may have been negligent.
Need Legal Help After a Car Crash? Give Us a Call Today
For nearly 30 years, Phillips Law Group has been securing compensation for victims of crashes caused by negligent drivers. We have extensive knowledge of the many factors involved in these cases and how to gather the evidence we need to build a strong case.
There are no upfront fees or legal obligations with our services. We do not get paid unless our clients get paid.
Give us a call today. We are here to help. 1-800-706-3000
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My paralegal , Caroline , was on top of her game - very responsive and always answered any questions I had and in a timely manner . My attorney Rob ,was the best attorney I ever had . He explained everything in great detail and had a great sense or humor . He really knows how to bring light To tough , unfortunate situations - I would absolutely recommend them at anyone -
Jasmine , did a great job . Highly recommend!!!!!
Positive: Professionalism, Quality, Responsiveness, Value As someone who is familiar with the inner workings of the auto insurance industry I can whole heartedly endorse Steven J. Jones and Phillips law group as someone I would want on my side should litigation take place. They handled my case professionally, honestly, and with satisfactory results which I would not have expected without enlisting their help.
I tried a few previous law firms and none would take my car accident case with confidence they could get my anything. Phillips law group took my case and although it took around 4 years to get this case settled as I was in treatment, they never let up with insurance adjusters and they got me as much money as possible. They worked hard for me and advocated for me. Shoutout to key individuals who worked my case nonstop of the years, Robert Ross & Jasmine, you are AMAZING!
Two family members were in a bad wreck a couple of years ago, and as a result called Phillips Law to represent them. Montana Thompson was the attorney assigned to the case with the help of Nemo Farr as legal assistant. Mr. Thompson litigated a very generous settlement for both my stepdaughter and her son. Because my grandson is a minor, I decided to act as conservator for him to ensure the settlement was safe and secure. Montana helped with that process, but it was Nemo who went way above and beyond the call in finding a financial institution to use for the restricted account. There were some glitches in that process but Nemo helped navigate them with a calm expertise which belies his age. I would consider them both great representatives of the level of commitment to their clients and assets to their firm.
A friend of mine recommended Phillips Law and I’m so grateful, because they were so wonderful, so down to earth, so professional. I felt like they were family.
Jasmine helped me so so much I want to thank her ! And also Aaron , i was always scared after an accident , knowing I would have to deal with lawyers but not here . Luckily I’ve only been in 3 accidents but this time it was fast and easy . And i received all the treatments I needed to help me recover ! Thank you Jasmine and Aaron!
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