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Insurance Coverage and DUI

Anyone who is involved in an accident knows that their physical bodily recovery is only part of recovery equation.  Insurance companies undoubtedly get involved after an accident as insurance agents on both sides are tasked with determining how much their insurance coverage company must pay to their drivers.

Assuming both the victim and the drunk driver are insured—as uninsured drivers are another separate issue—merely the fact that a driver was drunk may not mean that an injured victim will receive everything to which they are entitled without a fight.

The injury attorneys at Phoenix Accident and Injury Law Firm in Phoenix have significant experience in helping clients who have been victims of DUI accidents and are struggling to get insurance to cover their injuries. If you need help filing a claim for one of these awful, life changing accidents, we are here to help you get the compensation you deserve. Our offices are conveniently located in ChandlerPeoria, and North Phoenix, and we can meet in-person or over the phone or video call.  You can contact us for a free consultation, or read on to find out more.

By the way, we will also help with other problems that have cost you sleep, like getting a rental car very soon and finding a nearby doctor or psychiatrist who can help get your life back on track. Even the best legal team isn’t good enough if your quality of life isn’t sustainable while justice and compensation are on the way. The whole point of legal action is to regain quality of life, so we help you long-term as attorneys and short-term as your go-to people. Our familiarity with the local Phoenix courts makes us confident that we can help you get the best settlement possible.

If you are unsure whether or not you can afford an attorney, don’t worry. We only get paid when you settle. Check out our Attorney Fees Calculator to find out more.

Read Our Client Reviews

“My experience with… [Phoenix Accident and Injury] Law Firm was incredible, professional, and educational. I had never been involved in anything legal-related before and the team at… [Phoenix Accident and Injury] Law Firm made me feel comfortable and educated me on how the process works. In an unfortunate situation, I was grateful to have this team by my side. I was also extremely pleased with the outcome!” – Michelle C. (Read this Review on Google)

“I had an excellent experience with Karissa and Shane. Shane guided me through every step of the way and communication was ten out of ten. Shane was honest, understanding, and not only made sure I was paid but made sure my injuries were handled by medical professionals. The team truly cared about my satisfaction and well-being. The process was easier than I thought it was going to be and I’m glad I chose them to handle my auto accident. They really are the best personal injury law firm in Arizona.” – Haftom A. (Read this Review on Google)

Insurance Coverage

Arizona is a “fault” state, which means that the expenses incurred by parties (e.g., medical treatment, property damage, etc.) are divided among the parties per their allocated share of fault. What can be frustrating about this process is that insurance companies are often the arbiter of the percentage of fault for each involving party, and determine how much insurance coverage to pay out.

In these states, insurance companies are also able to withhold any settlement payments until the fault is determined. This means that a victim of a drunk driver not only may be forced to wait to receive payments for which they are eligible, they also may get assigned a portion of fault by the insurance company. Adding insult to injury, a victim of a drunk driver may then have to sue the careless driver’s insurance company to recover adequate damages before they can begin to put their life back together when their own insurance coverage doesn’t begin paying.

Personal Injury Lawsuits

The life of someone who has been injured by a drunk driver has been significantly disrupted, and if they are unable to receive the help they need to repair the damage done by another’s carelessness, it may cause long-term damage.  The last thing a victim wishes to do is file a lawsuit, as it may take months to resolve the issue. However, if a drunk driver’s insurance company determines that the victim is partially at fault for the accident, or if a victim does not receive sufficient compensation for their injuries, a lawsuit may be necessary to regain the insurance coverage they should have had in the first place.

The evaluation of fault is generally on either negligence or recklessness, both of which could be used to describe the actions of a driver who chooses to drink and drive. If the driver’s insurance company determines that the victim was partially at fault, that victim may be forced to prove in court that the drunk driver’s decision was such that any potential fault on their part was negligible in comparison.

For More Information, Take a Look at These Articles

What are my rights as a DUI victim who is struggling with insurance coverage?

Can I get paid for the frustration and suffering I have been experiencing because of dealing with insurance coverage after being in a DUI? 

If I have been a victim of a DUI, will I need to appear in civil or criminal court? 

What if the person who hit me has had a DUI more than once? 

What if the person who hit me has an open bottle of beer in the car? 

How can I get paid by the bar for overserving the person who hit me? 

Why are DUI accidents the worst type of accident to be in? 

Does a bar have liability for overserving customers in a DUI case?

How does the court calculate how much a settlement is worth in a DUI case where I am struggling to get insurance coverage? 

What happens if the drunk driver leaves the scene of the accident before giving their contact information? 

How do I know whether I have a case against the bar for overserving the drunk driver who hit me? 

What are peripheral injuries in a DUI case, and how can I prepare for them? 

What does it mean if I have a headache after my DUI accident? 

What are punitive damages, and what do they mean for my settlement? 

What is the BAC limit and laws in Arizona? 

How does a drunk driver impact who is determined “at-fault” in an accident, and what affect does that have on my insurance coverage? 

What are common defenses for DUI hit-and-run cases? 

Get Help Now 

At Phoenix Accident and Injury Law Firm near you, we have more than 15 years of experience helping clients obtain compensation for their personal injuries from DUI accidents in the Phoenix area. When you’re ready to talk, please contact our office to arrange a free initial consultation by phone or at our Chandler office, conveniently located near you.

If you have been in a DUI accident, contact Phoenix Accident and Injury Law Firm in nearby Chandler, AZ to speak with an experienced personal injury attorney. We provide personal injury legal services to clients in your area including ChandlerGilbertMesaScottsdale, Tempe, and Peoria.