Insurance

If you are injured in an accident, the most likely source of recovery against the responsible party will come from insurance. If it turns out that the responsible party does not have insurance, you might still be able to recover under your own insurance policy. Below is a general description of the types of insurances which are applicable when an individual is injured due to the negligence of another.

Motor Vehicle Liability Insurance
In the state of Arizona the owner of a motor vehicle is required to carry liability insurance coverage with limits of at least $15,000.00 for bodily injury or death to any one person in any one accident and $30,000.00 for bodily injury or death of two or more persons in any one accident. These limits are the minimum amounts that Arizona law requires EVERY automobile owner to carry. In many instances the responsible party is carrying more than the minimum amounts required by Arizona law.

Who is protected under Motor Vehicle Liability Insurance
The insured person, or anyone who he permits to operate his vehicle , is protected from accidents caused by his own unintentional negligent acts against another. It does not protect the insured person when someone negligently injures him.

Next >>