Insurance

Automobile Insurance Coverage

If you have been injured in a car crash, you may believe that you will quickly receive compensation for your losses and support from your insurance company or the insurance providers of the person who harmed you. Unfortunately, it is often not nearly that simple. In fact, you may be in danger of receiving nothing due to insurance companies refusing to pay for what they are legally obligated to cover.

Dealing with insurance providers can be an extremely tricky situation to navigate, with even minor missteps endangering your entire case. If you have been injured and must now work with insurance providers, do not try to do it alone.

The car insurance coverage lawyers at The Husband & Wife Law Team can represent you and your claim so that your case is handled properly and the tactics used by insurance providers are not allowed to succeed. Contact us for a free consultation concerning your case and prevent making dangerous mistakes in your claim.

Is My Accident Covered by My Insurance?

Far too often, people believe they have "full coverage" under the law. The reality is that no company offers an amount of insurance coverage that can be considered "full coverage."

The only coverage required under the law is the minimal limits. This means that the driver of another vehicle is required by law to have $15,000 of auto insurance for any one person injured as a result of their negligence in causing the car accident. However, if you do not have the proper insurance in a car accident and the other driver did not follow the law and does not have the minimum $15,000, you have nothing. Moreover, for people who are seriously injured, $15,000 may not pay for the cost of getting them to the hospital, let alone their wage loss, out-of-pocket expenses, and the many other losses they experience.

How Can I Be Protected in a Hit-and-Run Crash?

Hit-and-run crashes can be especially difficult to recover from because so many at-fault drivers are never found. Without being able to hold the driver responsible for your losses, you will need to pursue an alternate method of gaining compensation for your losses.

As the victim of a hit-and-run crash with no driver found, you can use the uninsured/underinsured motorist coverage on your insurance policy. This can cover the damages you have sustained up to the maximum amount of coverage that you have been given. However, you will need to collect evidence proving that your accident was caused by a hit-and-run driver, not yourself, and that the amount of compensation that you are asking to receive is appropriate for your losses.

What Can Endanger My Insurance Claim?

Insurance providers will be looking for any evidence they can use to minimize or outright deny the amount of compensation you can receive for your losses. However, many mistakes are made by victims themselves. If you are dealing with insurance representative, make sure that you are not making any of these serious missteps.

• Admitting fault, either while speaking or in writing.

• Not filling out a police report after an accident.

• Waiting longer than the statute of limitations to file a claim.

• Agreeing to a compensation amount without knowing full extent of injuries.

• Not undergoing a medical examination for injuries.

• Not listing all losses caused by the incident.

The best way to avoid these mistakes is to speak with a skilled Phoenix insurance attorney who will work with you to properly present your case and keep insurance providers from denying or minimizing your claim.

Do I Need a Car Insurance Coverage Lawyer?

It may seem like you can handle an insurance company and its representatives on your own, but what you don't know can jeopardize your entire case and chances for recovery. Speaking with an attorney who has a record of success can help you better understand what is right for your case.

Contact The Husband & Wife Law Team today and receive a no-cost evaluation of your case. Personal injury attorneys Mark and Alexis Breyer have dedicated their careers to the recovery of injured victims and can help you better understand your rights. With our legal representation, you can receive the compensation you rightfully deserve from insurance providers.