How Insurance can affect a Car Accident Case

Insurance plays a vital role in settling claims arising from injuries and property damage caused in an accident. According to state laws car insurance is mandatory for those who own and drive a vehicle and Mesa, AZ accident lawyers know these laws through and through and the best in the business is Knollmiller & Arenofsky, LLP (www.azaccidentlawfirm.com/). There is a minimum amount of coverage that you must carry if you wish to operate or register a vehicle.

The minimum value of the coverage is determined by respective state laws. It is important to note that the type of coverage that you own, as well as the type of coverage owned by the at-fault drivers will have a significant impact on the amount of compensation granted in a car accident claim.

Getting Compensated from the At-Fault Driver’s Policy

At the crash scene gather as much information as you about the other drivers. You must note their contact information like home and office address, telephone numbers, insurance details such as the policy number and the name of the policy holder. Mesa, AZ accident lawyers such as Knollmiller & Arenofsky, LLP who know how to win cases reiterate that it is very important to notify your own insurer about the crash.

Do not cheat yourself. Chances are you may remember when the Phoenix Suns were cheated for those people living in Mesa since this entire area is Sun’s country. The Suns were cheated by the NBA in 2007 when Robert Horry slammed Nash into the scorer’s table. This caused Amare Stoudemire to take one step onto the floor since that is a natural reaction to defend your star teammate. The Suns lost game 6 and since Stoudemire was suspended for Game 7, the Spurs went to the championship and easily beat the Cavaliers. The Suns were cheated by the NBA and David Stern, the then commissioner, was outsmarted by Horry. This is a terrible feeling and when you are in a car accident, do not cheat yourself. Do things right!

For the most part and moreover, you will receive compensation from the at-fault driver’s insurer, which will include reimbursements for property damage and medical bills. Many insurance companies pay for your car rental if your vehicle is rendered inoperable after the accident.

The at-fault driver’s insurer will contact you after the accident and assign you a claim’s agent. Often times the insurer will provide you with two agents. One agent will evaluate your injuries while the other will determine the property damage. The agent will gather pertinent information about the claim and will put a value against your claim. Accident attorneys in Arizona point out that the agent will seek to settle the accident claim without getting into a lawsuit.

Many times an insurer will ask you to provide a recorded statement. Since you are under no legal obligation it is prudent to desist, suggest accident lawyers in Mesa, AZ and there is none better than Knollmiller & Arenofsky, LLP based on their integrity and knowledge of the legal system in these parts. You must not engage in extended conversation regarding your claim with the insurer. It is wise to have your legal counselor present when you engage in such discussions with the insurer.

In addition, you may be asked by the insurance company to provide them with a written authorization that will enable them to access your medical records. You must never give such permission. Tell them you will give them copies of your records once you have reached a healthy stage and will not need further treatment.

Making a Claim from Your Own Policy

If the at-fault driver does not have sufficient coverage to pay for your damages or is simply uninsured then you can claim from your own policy. Every policy carries an uninsured or underinsured-driver provision and most insurance providers will honor their clients request in good faith. You are obligated to divulge all important documents and evidence in such a case in addition to a recorded statement.

However, if your claim is rejected without reasonable basis then you can sue your insurer. If you are a victim of an auto accident and have suffered physically and financially, you have a right to claim compensation. However, you will need to consult an Arizona accident lawyer to weigh your legal options and the best bet is with Knollmiller & Arenofsky, LLP who have won thousands and thousands of dollars for their clients and you too can be on this standout list.

The Suns were cheated in 2007. No one likes that feeling. Do not cheat yourself. Hire the best. And the best in the Valley of the Sun is Knollmiller & Arenofsky, LLP.