In Arizona, even if you did not have automobile insurance at the time of the accident, it does not excuse the other driver from having to pay for the damage caused to your vehicle or personal injuries to you. Regardless of your insurance, the other driver is still responsible for your damages. The at-fault driver’s insurance coverage is the most important.
In some states, if you are involved in an accident that is not your fault and YOU don’t have insurance, the amount you recover from the at-fault driver will be reduced. Not so in Arizona. Regardless of your insurance circumstances, the at-fault driver should always pay for the harm caused. Is this automatic? By all means no! Indeed, it is imperative that you speak with an attorney right away if you are involved in an accident, to protect yourself and your claim. The other insurance company may try to trick you in multiples ways—including into thinking that not having insurance will factor in reducing your claim. It does not.
Remember though, driving without insurance is against the law in Arizona. The police may give you a ticket for not having car insurance. You may also face additional fines and a license suspension. You can still receive these fines, even if you are not at fault in the accident. It is important to have car insurance to avoid these potential problems. If you are even partially responsible for the accident, this could affect how much you will need to pay to have your vehicle fixed. Having an experienced Phoenix injury lawyer who is familiar with the rules regarding property damage is hugely beneficial under these circumstances.
Finally, if you have an accident and you are partially at fault, you could be sued personally for the damages which you caused the other driver. Having a highly experienced Phoenix personal injury lawyer attorney will assure that you get the protection you need to protect your assets in a difficult situation.