Arizona Accidents

FAQ Glossary Topics About

English Espanol

Search results for “commercial policy”

20 results

step-down provision

Why is the insurance company saying there is coverage, but not as much as you thought? A step-down provision is a policy clause that reduces the amount of insurance available...

umbrella policy

Why does the other driver's insurance suddenly have "more coverage" after everyone said the policy limits were too low? An umbrella policy is extra liability insurance that...

Tempe insurer says the lawyer was "just commuting" - that may not kill your crosswalk claim

A driver hit her in a Tempe crosswalk, then a commercial insurer claimed the attorney was only commuting and outside coverage.

ARTICLE by Yolanda Figueroa

You just got a letter that says the insurer is offering the "policy limits," or that the at-fault driver has "low policy limits." That means the maximum amount an insurance...

Second rear-end in Tucson, and the city truck insurer says surgery can wait

A Tucson caretaker hit from behind by a city-owned truck is getting pushed toward a cheap settlement while trying to decide whether delaying surgery will wreck the claim.

ARTICLE by Brenda Yazzie

The adjuster just said your immigration status matters after that Tucson parking lot crash

A Tucson carpenter got hit in a grocery store parking lot and is scared to make a claim because he's undocumented, but Arizona law does not let the insurance company wipe out an injury case over that.

ARTICLE by Miguel Renteria

Still wrecked months after a Mesa parking lot hit? That early payout can cost you everything

A Mesa bartender gets clipped in a parking lot, shrugs it off, then the symptoms blow up later while the insurer tries to buy the claim cheap before treatment is even done.

ARTICLE by Miguel Renteria

i can't afford a lawyer after a Flagstaff city truck hit me - am i just stuck with this claim mess?

A crash with a city-owned truck in Flagstaff is not a normal insurance claim, and the deadline that matters comes fast.

ARTICLE by Patricia Begay

The police report says I caused the hit-and-run, and now everything's upside down

A bad Phoenix crash report can wreck a hit-and-run claim fast, but it is not the final word if you move early and pin down the evidence.

ARTICLE by Brenda Yazzie

Undocumented after a Phoenix semi crash? That treatment gap can wreck the claim

A Phoenix mechanic got hit by a drifting semi, paused medical care out of fear, and now the trucking company is using both the treatment gap and the "off the clock" excuse to slash the claim.

ARTICLE by Rick Dallman

nominal damages

Failing to recognize this issue can lead someone to abandon a valid claim simply because the measurable financial harm is small or hard to prove. Nominal damages are a very...

How much is a Phoenix dump truck rear-end case worth?

A rear-end crash with a loaded dump truck can be a six-figure case in Phoenix, but the insurer will slash the value fast if its IME doctor gets away with calling your MRI meaningless.

ARTICLE by Tom Purcell

Evaluating a Phoenix Hit-and-Run UM Settlement During Pregnancy

If the driver disappeared or had basically no insurance, the number on the table usually has more to do with your own UM coverage limits than what your pregnancy scare, ER visit, and follow-up fetal monitoring are actually worth.

ARTICLE by Kevin Sharpe

Can I claim PTSD in Arizona if anxiety got worse after a Tempe crash?

Everyone says insurers have to pay for crash-related PTSD, but actually the insurance company will usually argue the opposite first: that your anxiety was pre-existing, your...

recorded statement

Adjusters and defense lawyers often ask for one early, sound casual about it, and hope you talk before you know the full picture. A recorded statement is an audio or video...

I cleaned up after my wife's Mesa hotel fall, did I ruin her case?

Probably not - and the hotel is hoping you never find out that Arizona law does not require a perfect accident scene to have a valid claim. What matters most is whether the...

Rental Car Crash on Black Ice in Arizona

If you slide a rental car on ice in northern Arizona, the fight is usually about who pays first, what coverage actually applies, and whether the rental company is stacking charges on top.

ARTICLE by Carlos Murrieta

What the insurance company does not want you to know is that it may be perfectly happy to settle your injury claim while a hospital still has a legal right to part of that...

probative value

Yes - think of it like muddy boots by the door after a rainstorm. They do not prove everything by themselves, but they strongly suggest someone just came in from outside. That...

special damages

Not the same as a pain-and-suffering payout, and not a bonus number a lawyer pulls out of the air. These are the specific, measurable financial losses tied to an injury or...