Hit and Run Drunk Driver Accident – Will My Insurance Pay?
Reader’s Question:
Our neighbor damaged my son’s parked vehicle in Deer Valley, Arizona. Our neighbor’s car was not insured but he got insurance on his other car. Can we place a claim against the policy on the car that is insured? He was arrested for drunk driving.
Tim
Deer Valley, AZ
I do not think you could file a claim for the damages caused by the uninsured automobile against the car insurance policy of the other vehicle with insurance. Your neighbor is responsible for the damages.
To have the damages fixed in Deer Valley, Arizona you may see if you could place claims against your own insurance provider under your collision coverages.
Another option is to seek legal help to determine if you will have to take your neighbor to court and seek a judgment against your neighbor for the damages you sustained while he was driving drunk.
You may contact the Arizona Department of Insurance online or call their consumer hotline at 1-800-252-3439 for consumer help.
Need Uninsured Motorist Coverage Car Insurance in Arizona?
Reader’s Question:
I have an auto insurance policy in Deer Valley, Arizona AZ and just recently I’ve included a rider on it known as uninsured motorist coverage. I was wondering, why do we have to get this rider? I think Arizona states regulation requires all motorists to get an auto insurance.
Reeve
Deer Valley, AZ
If we are going to base it in our laws and regulation in Deer Valley, Arizona AZ, it is clear that all drivers and motorist are required to have license and auto insurance with them. But I regret to say this to you that nobody in this world is perfect!
Several reasons behind that lead to some of us Americans to neglect auto insurance policy as required by the law. Number one reason is the economic curl, many Americans now wants to slash down their monthly expenses sacrificing auto insurance. The rider that you added which is the uninsured motorist will not only cover you from those uninsured motorist but also it will cover you from those under insured motorist. Normally they have auto insurance policy but only limited and do not include the damages as a result of the accident.
The uninsured auto insurance rider that you have will give you peace of mind during unexpected turn of events on an accident in Deer Valley, Arizona AZ. It covers you as the policy owner, all the names declared on your policy, and your passengers. It also provides payments for medical expenses, lost wages due to accidents at the same time you can also help those at fault uninsured drivers or underinsured drivers, the rider can pay the cost of the damage. This is a very good protection to keep you as the policy holder away from the court. It doesn’t matter how excellent this rider is, accident is accident and no one wants to get involve with it. You can shop for free quotes online to assess your options for auto insurance in Arizona. Just like any other insurance sites out there, this website can lead you to auto insurance rates comparison chart by using the relevant form.
If I Co-Sign For a New Car Loan Am I Responsible
Reader’s Question:
I just want to know if I co-sign a loan for a vehicle in Arizona and the primary driver causes an accident can I be held responsible in legal matters?
Tiffany
North Pinal, AZ
Generally, if you have your name on the title of a vehicle and are considered a co-owner then you have liability for the actions of anyone who drives the automobile. So if as a co-signer you had your name put on the registration or title of the vehicle then likely you will be considered a co-owner and therefore could be sought after if the main driver was in caused damages in an accident.
If you are not listed on the title of the car and only named on the loan then your risk of being involved in legal matters are not as great since you only signed to be financially responsible for the car or make payments if the primary signer fails to make payments timely.
I suggest that you contact a lawyer in AZ that is familiar with Arizona liability laws and civil suits with regards to car accidents to know what liability you would have in your position as a co-signer on a car loan on which some else is the main driver.
Adding Teen Driver To Your Car Insurance In Arizona
Reader’s Question:
I have my teenager listed on my own car insurance policy in Phoenix, Arizona. He reared a brand new mustang and we had to make claims from our insurer. Will my car insurance premium go up upon renewal if my policy should expire?
Tom
That is one big crash to your bank account if you didn’t have car insurance policy. Your insurer must be in a bad shape after paying for the damages on that mustang! For most insurers, accident rate of listed drivers will definitely affect car insurance premiums. In fact, being accident prone and high probability of road accidents for teenage drivers is reason enough for your premiums to get raised by your car insurer.
You might experience irreversible results for now on your car insurance premium’s possible increased rates because of that accident. However, you can always ask the insurance regulating agency to check if you are not overcharged if any increase happens. Your insurer in Phoenix will be more than happy to explain to you their rating system.
A good way too for you to check if your rates are reasonable is to shop around for free quotes online. You can get good quotes from around Arizona through this website and I think it is wise for you to do that. Once you submit your zip code, you will be given a comparison chart for local insurers in your area who can give you some free quotes. Once you have those quotes, simply compare that to the probable new rate you might be charged by your present insurer and see if you are not charged too high.
I hope your car insurance rate would not increase as much!
Minimum Coverage For Uninsured Motorist In Arizona?
Reader’s Question:
What is the coverage of the uninsured motorist insurance? I live in Arizona.
Freeman
Thank you for asking.
The Arizona Department of Insurance states that Uninsured Motorist coverage protects you or passengers in your vehicle for bodily injury you or your passengers sustain in an accident involving a driver who has no liability coverage.
This may also protects you or passengers in your vehicle for bodily injury you or your passengers sustain in an accident involving a driver who has insufficient insurance to cover your injuries or your passengers.
Uninsured motorist coverage (or UM) provides coverage for your medical bills, loss of earnings and pain and suffering if you suffer injuries as a result of a negligent drivers who does not have liability insurance, including a hit-and-run motorist. Underinsured motorist coverage (or UIM) provides coverage situation that your damages exceed the other driver’s liability coverage.
Goodluck!
MariCAR
Will My Car Insurance Company Replace My Windshield?
Reader’s Question:
Is it true that insurance companies are required to replaced damaged windshields of their customers?
Ryan
Thank you for asking Ryan.
You need comprehensive coverage or full glass coverage, both optional coverages, on your car in so for your windshield to be covered by your auto insurance in Arizona.
Usually comprehensive insurance is sold with a $250 to $1,000 deductible in Arizona. All insurance companies are required to offer full glass coverage which comes without a deductible.
Comprehensive insurance will reimburse you if your windshield is cracked or shattered and glass coverage is available without a deductible. However, you need to have one of these types of insurance on your car in able to get your windshield repaired or replaced by putting a claim through your insurance provider. If you only have the liability it will not allow you to place a claim for glass damages on you own vehicle.
Goodluck!
MariCAR
Will Liability Car Insurance Cover Uninsured Motorist Damage
Reader’s Question:
I was hit by uninsured driver and I have a liability coverage on my car and uninsured motorist coverage. Will this cover the damage to my car?
George
Thank you for asking George.
In Arizona, uninsured motorist is for bodily damages. Typically an uninsured motorist (UMBI) in Arizona policy will typically pay for medical expenses, lost wages, and pain and suffering caused by an uninsured motorist, hit and run driver or a miss and run driver.
In addition to that, uninsured motorist will pay for these coverages to you, and/or your family members who live with you and passengers in your car. The damages to your vehicle or other property will not be covered by this . You would need collision coverage on your car to get your property damage covered by your insurance provider.
Uninsured motorist property damage is not available in all states with including the state of Arizona. Only UM bodily injury is available so this must be the type of coverage that you have.
Goodluck!
MariCAR
Loading ...