We receive far too many phone calls from people who believe they have “full coverage” insurance on their car. If you look at any Arizona statute, there is no definition of full coverage. We have seen full coverage mean nothing more than the minimum limits allowed under the law, and we have seen full coverage mean every possible type of insurance that can be purchased. We have also seen everything in between when it comes to Arizona insurance company secrets.
Do not accept the fact that you have “full coverage” auto insurance. After a serious personal injury accident, you can find that the agent who sold you the “full coverage” insurance actually sold you a “bill of goods.” In other words, in the effort to try to get your business, the insurance agent reduced the coverage you had but still told you that you had “full coverage.” Then, when it’s time to make the claim, the insurance adjuster (very different than the insurance agent and not trying to get your business but often trying to prevent you from receiving full and fair compensation for your injuries) explains to you that you do not have uninsured motorist coverage or underinsured motorist coverage, which you need to protect yourself when making a Phoenix automobile accident and injury claim.
If you find yourself in this position or you know someone who is making an insurance claim but they are being told that they do not have full coverage, do not accept this at face value. Immediately contact a skilled personal injury attorney in Arizona to find out if you actually have coverage that the insurance adjuster is denying.
At Breyer Law Offices, P.C., we have had many cases where our clients were told that they did not have uninsured or underinsured coverage but it turned out that the insurance company was required to pay because those coverages were still valid under Arizona law. There are many complexities to this, but the key is not to accept the word of the insurance adjuster just because they claim that you do not have the full coverage you absolutely need after a serious injury. Contact our Phoenix insurance coverage attorneys today for a free consultation and case evaluation. We will answer your questions honestly and provide you with the information you need.