Even though laws requiring auto insurance can be strict, not every driver follows them. If you have been in a motor vehicle accident with an uninsured or underinsured motorist, you may have more options than you realize. Before you settle with any insurance company, contact our firm to learn about your legal rights and options.
Motor Vehicle Accident Information
Phoenix Personal Injury Law Firm · The Vakula Law Firm, P.C.
A car, truck or motorcycle accident resulting in injury often requires complex legal action. Insurance companies often deny or minimize coverage. The ultimate outcome of the injury may remain uncertain for a period of time. Accident reconstruction, careful medical evaluation and other key factors all figure into the prove of liability and damages for victims of a car crashes and truck wrecks.
The following information on motor vehicle accidents is general in nature and is not necessarily geared toward your particular injuries and accident. Contact The Vakula Law Firm, P.C. in Phoenix to reach a compassionate, reasonable attorney who can advise you the best course of action for your situation.
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Your accident may have occurred on a major highway, on a city street, in a parking lot or right out of your driveway. Your injured back or neck or other injury is a matter of serious concern regardless of the circumstances of the crash.
Our Phoenix personal injury lawyers welcome the opportunity to offer legal counsel and representation after a car or truck accident in Arizona. Call or e-mail the law offices to schedule a consultation.
No-Fault Insurance
When a driver has been in an accident, no-fault auto insurance allows the driver to collect from his or her insurance company no matter who was at fault. Not every state has a no-fault insurance structure, but those that do have very specific laws governing when, how much and for how long the injured party may collect. Consult with an attorney from The Vakula Law Firm, P.C. in Phoenix, Arizona, to discuss how your state views fault and to determine how the laws may affect your right to recover damages for injuries.
How No-Fault Insurance Works
No-fault insurance is a system in which auto insurance pays benefits the insured driver in case of an accident. The insurance compensates the insured driver for monetary losses, no matter who was at fault. This is contrary to systems in which the at-fault driver’s insurance company must pay the bulk of the compensation after an investigation and determination of fault by the insurance companies or the courts.
The system is designed to streamline the process of payments to injured people and to lower the burden on the courts. Under the no-fault insurance system, it can be more difficult to sue an at-fault driver for damages; the insured typically must have been quite seriously injured in order to take such legal action. On the other hand, monetary recovery for the insured is more certain under no-fault insurance because the compensation is immediately available through the insurance policy of the injured party. No-fault insurance policies often have a cap on the compensation they will pay.
The no-fault insurance system prevents injured parties from receiving a windfall due to the accident, but it also ensures compensation no matter who caused the accident. In a no-fault state, the other driver will also receive compensation from his or her insurance company if that driver sustained certain economic losses. The specifics of no-fault insurance laws vary widely by state.
Personal Injury Protection (PIP)
If you have a no-fault insurance policy, it is probably called a personal injury protection (PIP) package. PIP insurance pays for the medical expenses of the insured driver and the passengers who were injured in an auto accident. PIP insurance typically covers things like medical bills, wage loss and funeral expenses, but not pain and suffering or vehicle damage. This varies by state and particular insurance policy. The PIP packages have limits on what they will pay.
Speak with an Attorney
How you handle the situation after a motor vehicle accident can make a significant difference in your monetary recovery. Dealing with insurance companies can be especially tricky. In addition, the no-fault and fault insurance systems vary widely by state. Speaking with an attorney from The Vakula Law Firm, P.C. in Phoenix, Arizona, will help to clear up the confusion these systems can cause.
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