Collision coverage is a type of voluntary insurance. It will pay for the repairs to your own vehicle, regardless if you are at fault in the accident. If the other party is at fault in the accident, typically their liability insurance will pay for the repairs to your car. Collision coverage normally includes a deductible, whereas liability insurance coverage does not.
If you were the victim of an auto accident, you can file a claim for damages under your own collision insurance, or you may present the claim to the defendant’s insurance carrier, under their liability insurance coverage.
If you choose to file a claim under your own collision coverage, then after the claim has been paid out, your insurance carrier can seek reimbursement from the defendant’s insurance carrier. This process is called subrogation, and does not impact you.
While the cause of automobile accidents in Phoenix, Arizona can vary, one factor is clear: if you’re seriously injured in an accident, you must move quickly. It is essential that the accident in question be thoroughly investigated, evidence preserved, and physicians and expert witnesses evaluate your injuries and the accident.
If you or a loved one has been the victim of an automobile accident in Arizona, our Phoenix personal injury attorneys can help. Call Breyer Law Offices today at 602-978-6400, 623-930-8064, 480-753-4534, or in Español 602-222-8787; or complete and submit our Simple Case Form.
As always, our initial consultation is free of charge. If we agree to accept the case, we work on contingent basis, which means we don’t get paid unless there is a monetary award or recovery of funds.
In personal injury car accident cases, there is a statute of limitations attached. So be sure to contact us immediately following the accident; otherwise, you might lose out on your right to file a claim.