Tractor Trailer Accidents and Insurance in Arizona
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Arizona is a state that not only has its own enormous economy, but it also is a gateway to several nearby states such as California that must have goods delivered on a daily basis. For this reason and many more, motorists in Arizona are used to sharing the roads with tractor trailers that are hauling cargo. Unfortunately, Arizona tractor trailer accidents can and do occur, and when they do they can often lead to disaster. Anyone who has been harmed in this manner needs to seek the immediate help of an experienced Phoenix tractor trailer accident attorney.
Below you’ll find information regarding Arizona tractor trailer accident statistics, the nature of insurance policies that cover drivers and companies that handle commercial hauling, basic insurance requirements for tractor trailers in Arizona, why Arizona tractor trailer accident attorneys can help those who have been harmed in these accidents and finally how you should proceed if you need the advice of experienced Phoenix trucking accident lawyers.
Arizona Tractor Trailer Accident Statistics
As stated above, Arizona tractor trailer accidents occur at an alarming rate. Every year in the state, more than 6,300 such accidents occur. In addition, these collisions involve more than 1,600 accidents that lead to at least one injury and more than 100 accidents that lead to at least one fatality. Broken down further, this means that more than 525 such accidents occur in the state on a monthly basis, and more than 125 collisions occur that lead to at least one injury. Finally, nearly two Arizona tractor trailer accidents occur on a weekly basis that lead to at least one fatality.
The Nature of AZ Tractor Trailer Insurance Policies
Anyone who has ever taken out an auto insurance policy understands that these policies are basically contracts, and they are extremely complicated in their language. These voluminous documents are largely written purposely to be ambiguous in order to minimize the risks that insurance companies face. There are many situations where even the most experienced experts do not understand certain tenets of an insurance policy.
Basic Insurance Coverage Requirements for Arizona Tractor Trailers
Arizona is generally known to be somewhat lenient in terms of its insurance coverage requirements for tractor trailers. Like every other jurisdiction, commercial haulers are required to have coverage, but the state only requires the following:
- At least $15,000 in coverage per bodily injury per accident
- At least $30,000 in coverage in total for bodily injury per accident
- At least $10,000 in coverage for property damage per accident
In addition, most insurance policies carry liability coverage, and most limits reach to $1 million, although there are discount’ policies that limit liability coverage to $500,000.
How Phoenix Tractor Trailer Accident Attorneys Can Help
When an Arizona trucking accident occurs, people who have been wrongfully injured should not expect the insurance company that covers the tractor trailer to simply offer a settlement that’s fair and that compensates those who have been harmed for their financial losses and their pain and suffering.
Insurance companies are for-profit corporations, and most will depend on the ambiguous language in their policies to attempt to shield themselves from paying claims. This reality exists for obvious reasons, as their profit is largely defined by the amount of revenue they generate and the amount of liability they incur by way of the payment of claims.
Therefore, those who have been harmed in this manner should seek the immediate help of experienced Arizona tractor trailer accident lawyers because it can change the entire approach that’s used by the insurance company that covers the driver that’s responsible for the accident. For instance, insurance companies will tend to low-ball their settlement offers to injured parties who do not have legal representation because they are fully aware that those who have been harmed need money to cover their losses and they do not generally have a deep understanding of the law.
However, when Phoenix, AZ trucking accident lawyers are involved, insurance companies realize that these tactics will not work for them, and they also tend to realize that there will be no hesitation to file an Arizona personal injury lawsuit if it becomes apparent that a fair settlement will not be reached. In addition, the process can move more quickly if the insurance company understands that there is no chance that a low settlement offer will be accepted.
Contact an Experienced Phoenix Tractor Trailer Accident Lawyer
If you or someone you love has been harmed in a tractor trailer accident, you owe it to yourself and to your family to avoid taking legal matters into your own hands so that you can concentrate on your recovery. You’ll also be able to rest assured that your legal rights will be protected and enforced. Contact the Phoenix tractor trailer accident attorneys at Phillips Law Group today to schedule a free initial consultation.
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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.
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Phillips Law Group does so much for the community!!! I especially enjoy seeing Juan Roque out there. This gentle giant always has a smile on his face and is a part of a caring and giving team.
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My Attorney Sean Davis and his paralegal Hannah Dustin worked on my case. They listened to the problems that I was having with my case and they both got right to work. First they found me a doctor that actually listened to my problems from my car accident and worked quickly to form a plan that was comfortable for me and the doctor. The doctor was the best and after a couple of procedures the pain in my neck was gone. Behind the scenes Sean and Hannah were working hard to get my case settled with the insurance company. They kept in contact with me on all aspects of my case. They settled my case much faster than I expected and for more than I was expecting. If you want two real professional legal people to work on your case, I would highly recommend Sean and Hannah to you. I cannot say enough nice things about these two. Thank you so much, Rickey Hart .
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Although my accident was fortunately not a major one, The Phillips Law Group AZ treated it as such. Their staff, specifically Mr Juan Roque was very professional, courteous and most importantly very informative. Mr Roque's attentive service was phenomenal and I highly recommend this firm!