Insurance Rates After an Accident

Whether it’s coping with long-term physical injuries or dealing with financial difficulties, victims are forced into difficult situations in order to pick up the pieces following an injurious car accident. Negotiating with insurance companies can arguably be the most difficult part of a serious car accident.

However, it’s important to know how to negotiate with insurers in the aftermath of a crash. It’s also important to be aware of insurance rates after a crash.

If you’ve sustained injuries in a car accident in Arizona and want to file a claim, contact the Phoenix car accident lawyers at ELG Law. Our team of auto accident lawyers is here to help you safeguard your legal rights.

Insurance Rates After a Crash

According to Arizona law on insurance rates, 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 an increase.

In the event that your insurer does raise your rates, you may dispute the rate increase in Arizona.

Stick to the Facts

Stick to the facts after an accident. Note the extent of any injuries, including any long-term or physical effects. Document the damage to your car as well. And take note of any other financial impact after a crash, including medical receipts, any physical therapy, and lost wages. Ensure that this is provided to the other driver’s insurer so that it’s clear you weren’t at fault.

Organizing this information also makes it much easier for your accident claim to be successful in Arizona.

Get Everything in Writing

Make sure all settlement offers and counteroffers are in writing. Once an agreement is reached, ensure the settlement offer is also in writing. The settlement offer, written by either you, your attorney or the insurance company, should state the settlement amount, the damages covered, and the date that the payment will be made.

Furthermore, you should get any insurer statements in writing. Once you’ve collected all the information and organized the facts of your case, it should be clear that you weren’t responsible for your accident.

Car Accident Lawyers in Phoenix

Remember to drive defensively but do not live in fear of your insurance premiums rising. Insurers are not permitted to raise your rates after an accident occurs through no fault of your own. If your insurer does raise your rates, you can and should dispute the raise.

The best way to ensure your accident claim is successful is to consult with a knowledgeable Phoenix-based lawyer after an accident. Your lawyer will help you organize the facts of your case and act as a liaison to insurance companies. Collaborating with your attorney on these issues will help make your recovery process smooth and stress-free after an accident.

Contact our Phoenix injury lawyers at ELG Law today at (623) 877-3600 for a free, no-hassle consultation.