Auto Insurance Tips For When You Have an Accident

Did you recently have an auto accident? Are you unsure of the best steps to take with your auto insurance company or the company of the other driver? UNO Insurance Agency in Phoenix, Arizona is here to assist you and provide some basic guidelines for dealing with insurance after a car accident.

What to do After a Car Accident

You just had that dreaded moment when you feel a jolt and realize someone has rear-ended you. Alternatively, you may have been in a head-on collision. We at UNO Insurance hope that it was not a major accident and you and the other people involved are not injured and able to move and communicate. Assuming this is the case, you will want to check for safety, and try to move out of the way of any oncoming traffic. If it is not safe, and you cannot move the cars, then assess whether you should wait and call emergency services to assist you.

If the situation is safe and you are able to move cars and people to a safer location, start by communicating with the other driver or anyone involved. Share your contact information and auto insurance policy information. Take many photos and assess whether other witnesses can share details of what they saw. Whatever you do, ensure you leave the scene with lots of detailed information. Some drivers may try to convince you not to contact their insurance company; however, you still want to get their policy information regardless of the outcome.

Arizona is a “Fault” Car Accident State

Arizona is a traditional “fault” state when it comes to dealing with car accidents. This means that a victim of an accident has to prove that the person causing the accident was at fault. Here are some of the ways you can prove a person was at fault:

  • You need to prove “duty of reasonable care” this means that the person met their duty to follow traffic laws and drive safely.
  • You need to prove “breach of duty” this means that you show negligence, for example, if they ran a red light or a stop sign.
  • You need to prove you were injured and that you had damages because of their negligence.

In addition, you can split fault among a number of people. In this way, each person may only have to pay for his or her degree of fault in causing the accident. If an at-fault driver hits you and they have no insurance, then you can seek coverage through your own auto insurance. (Hopefully you have Uninsured Motorist coverage).

UNO Insurance in Phoenix, AZ has friendly, professional staff that can get you a wide array of quotes for auto insurance, do not hesitate to reach out with any additional questions you have.