Car Accidents Article


Will My Car Insurance Rates Go Up?

Under Arizona law, if you have not caused or significantly contributed to the cause of an accident, your car insurance rates or premiums cannot be raised. Specifically, A.R.S. § 20-263 provides: “ No insurer shall increase the motor vehicle insurance premium of an insured as a result of an accident not caused or significantly contributed to by the actions of the insured. Any insurer which increases the premium as a result of accident involvement shall notify the insured of the reason for such increase.”

This article is intended for informational purposes only and does not constitute legal advice or establish an attorney/client relationship.

Contributing Attorney: Sam Saks. Sam is the founder of Legal Aid of Arizona and a partner at the law firm of Guidant Law

 


Comments:

QUESTIONS

  • Can a UIM claim be offset by another Insurance policy if a s small portion of the claim was already paid out by secondary insurance company? So let's say I was paid out $50,000 by my personal policy but my claim is worth 100,000. Can the other Insurance offset the 50,000 I've already been paid leaving them to only pay me another 50,000 or can I collect the full 100,000 from them?
  • Car accident where both parties are found at fault, me 30%, them 70%. They are NOW (6 months later) suing for 28 grand of injury present and future costs. Their insurance paid me very little but did pay 5 grand for my totaled truck worth about 15 grand. I only had liability and their lawyers letter states they are suing me personally since my insurance wont help cover anything. He had no injuries at all at the accident, walked around waiting for police, talking on his cell. He went to the doctor 2 days later according to his lawyer. Can I really be liable for 28 grand? Do I need lawyer?
  • I was involved in an accident last year where the at-fault driver was uninsured. After receiving care my health insurance was billed and no liens were put on my auto insurance. I have since settled with auto insurance, but this week I received a collection notice from an attorney saying I owe the provider an amount above the agreed upon rate from my health insurance. When talking to the provider they said AZ law allows them to collect the remaining balance from me with personal injury. Can they hold me liable for the balance above the rate my health insurance has after they have billed them?
  • This question does not exactly have to do with car accidents,though the situation arose from one.I cannot find adivse on this anywhere-A chiropracter placed a medical lein when someone rear ended me.The insurance company should have paid,chiropracter cooresponded with them 2yrs later which was past the statute of limitations and I guess just dropped it.This was 2002.The lein now sits at the county recorder and cannot be revoked unless by the Dr. who no longer practices.This is now interfering with my house buying process.I have called everywhere and get nothing but brick walls.Please help
  • Had a car pulled out in front of me and I hit him broadsided and totaled my motorcycle and have injuries. He was cited and I found out 3 weeks later he has no insurance. What can I do?
  • I was suppose to receive 25,000$ when I turned 18. Well when I turned 18 and tried to see if the money was in my bank account they had told me it was all spent. How would the bank let my parents withdraw my money? I'm the one who sufferd from my car crash, is it against the law for the bank to let my parents withdraw all of that money? Because I never seen a dime.
  • My dad was killed by a drunk driver 2 years ago and I heard that I can get $5000
  • If I bring a letter from my insurance company stating all claims have been satisfied to the district attorney will this help reducing my fine
  • I was in a auto accident(rear ended)insured resides in Az. His Insurance company is located in Ca. I want to take his insurance co. to a Small Claims Court in Az. How do I serve summons to the Insurance Co. since Insurance is located in CA. but it does business in Az.(out of venue)
  • I was involved in a very minor collision resulting in minimal vehicle damage & no bodily harm. Accident occurred on a private parking lot which cops would not respond to so there is no reports or documentation of either parties accounts an recollection leading up to accident. Insurance information was exchanged and both parties drove away upon learning no police report would be taken. Months following were an unstable time for me and incident slipped my mind. Until this week even I received a collection letter which to the best of my knowledge is a subrogation notice. With my brief research on this, it's my understanding that I've been deemed at fault. And the insurer of other party has issued a payment covering their damage. Which they are now seeking reimbursement through me. Can I dispute or appeal an how is this done? I firmly believe that the fault is that of the other driver or at least not solely of my own, based on design and layout of parkway's as well as location of impact and damage indicated on both vehicles.

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