Basic insurance coverage and personal injury lawsuits

Car insurance comes in various forms with different amounts and types of coverage. With so many options and requirements, trying to understand a policy can become confusing. However, having a full understanding of an insurance policy and its limitations is critical. This is especially true when one is injured in a car accident and hopes to file a lawsuit against a negligent driver to recover damages.

Arizona drivers are required to possess certain types of insurance. Most basic policies provide coverage for bodily injury caused to other motorists, property damage and possibly, uninsured motorist coverage. Generally, insurance has a maximum amount of coverage. For example, one’s policy may contain $100,000 worth of bodily injury insurance. Therefore, if a motorist causes an accident and the victim suffers $50,000 in medical expenses, then the negligent motorist’s insurance could cover those losses.

But, when a motorist is under-insured or uninsured, there may be no financial resources. In these instances, it becomes crucial to consider a personal injury lawsuit. If negligence, causation and damages can be proven, then compensation may be awarded. This compensation can help alleviate the financial strain caused by medical expenses, rehabilitation costs and lost wages. And, it can help ease noneconomic damages, such as pain and suffering.

Dealing with insurance companies and pursuing a personal injury lawsuit can be overwhelming for many Phoenix residents, and for good reason. There are often many moving parts to these claims, and those who may be forced to pay out are likely hesitant to do so. This means that they will fight with everything they have to avoid paying money to a victim. These victims can put up a fight of their own, something with which a skilled attorney may be able to assist them.

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