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Does Insurance Follow the Car or the Driver in Arizona?

Is a buddy asking to borrow your car? Planning on loaning your car to a friend? Before you hand over the keys, you should probably ask yourself: does insurance follow the car or the driver in Arizona?

In Arizona, when you let someone else drive your car, you’re essentially loaning them your auto insurance. Want to know what we mean by that? Keep reading, as today’s blog post is going to cover everything you need to know.

The Omnibus Clause

So, does insurance follow the car or the driver in Arizona? Well, thanks to the “omnibus clause,” most auto policies will cover someone else driving your vehicle if they have a valid driver’s license. Usually, this clause applies to family members within your same household and dependent children living away from home. Of course, they must have your permission to drive first.

Under the “omnibus clause,” your insurance company will cover any damages that your friend causes while driving your car. Of course, those damages will only be covered up to your policy’s limits, and you are still responsible for paying the deductible and any additional costs.

What to Look For

Although you are technically covered, there are a couple of things you should confirm before loaning your car to a friend:

• Your insurance policy. Make sure you’re comfortable with your coverage limits. Also, check to make sure your policy covers other drivers of your car.
• Your friend’s driver’s license and insurance policy. Before your friend drives your car, you need to make sure they have a valid driver’s license and insurance policy. If they don’t have insurance and the damages exceed your insurance’s limits, you will be held liable for all remaining costs.
• Your proof of insurance and registration. Your friend needs to be able to locate both within your vehicle.

Additionally, we recommend assessing whether your friend is comfortable driving your car, whether they have experience driving cars like yours, and how long they plan on using it.

Do Insurance Points Follow the Car or Driver?

In Arizona, insurance follows the car. However, the points surcharged for any accidents caused will follow the driver. Regardless of whose car you’re driving, accident points will accumulate on your driving record, which will likely increase your policy rates.

If you have questions, contact your insurance agent to better understand your company’s accident surcharge guidelines.

Best Car Accident Lawyers in Phoenix, AZ

So, does insurance follow the car or the driver in Arizona? As Phoenix’s top-rated car accident attorneys, we can attest that your insurance plan follows your car. However, navigating claims where someone else is the driver can be hard. Working with a skilled personal injury attorney helps to ensure you receive the compensation you deserve.

If you or a loved one is in need of a car accident attorney, look no further than The Law Office of Zayed Al-Sayyed. Utilizing our famous Aggressive Compassionate Representation, we diligently fight for the best outcome for our clients.

Contact our team for your free, no-obligation consultation today.

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Who is at Fault in a Rear-End Accident in Arizona?

Are you wondering who is at fault in a rear-end accident in Arizona? Most people would assume that it’s the fault of the driver in back. However, that’s not always the case. While the driver who did the rear-ending is often at fault, the situation is not always so black and white.

As Phoenix’s leading car accident attorneys, we have ample experience helping people navigate their car insurance claims (rear-end accidents included). Therefore, we can attest that either driver could be at fault in a rear-end collision.

Don’t lose compensation because you assume you’re at fault. Instead, keep reading to learn more about the facts surrounding rear-end accidents in Arizona.

What is a Rear-End Collision?

A rear-end accident is exactly what it sounds like. This type of accident occurs when a car fails to slow or stop in time and collides with the car in front of them. Speeding, stop-and-go traffic, distracted driving, and slippery roads are all common causes of rear-end collisions.

Can the Front Car Cause a Rear-End Collision?

Whenever the rear car slams into the front car, most people assume that the front car’s driver is not at fault. However, that’s not necessarily the case. Some rear-end collisions happen as a result of the front driver’s negligence. Here are some examples:

• The front driver suddenly stops (or stops short) in unexpected locations (like traffic lanes)
• The front driver suddenly brakes to make a turn
• The front driver changes lanes and pulls in front of a faster vehicle without signaling
• The driver backs into the front of a car (like in a parking lot or when they pull out too far in an intersection during a stoplight)
• The front car has non-working rear brake lights
• The front car breaks down and remains in an intersection without using its hazard lights or a flare to alert oncoming drivers
• The front driver is “brake checking” to ward off a tailgating driver

Determining Liability in Rear-End Accidents

So, who is at fault in a rear-end accident in Arizona? Well, it depends on the specific situation. Sometimes, the rear driver is at fault because they failed to stop in a timely manner or maintain a reasonably safe distance behind the front car.

Other times, the front driver was acting negligently. That’s why Arizona weighs the fault of both drivers when determining liability in an auto accident.

Best Car Accident Attorneys in Phoenix

If you’re asking yourself who is at fault in a rear-end accident in Arizona, then the legal team at The Law Office of Zayed Al-Sayyed can help. As Phoenix’s finest car accident attorneys, we have helped countless people receive the compensation they deserve.

By employing our famous Aggressive Compassionate Representation, we are confident in our ability to win your compensation. Whether you were the rear or front driver in a rear-end accident, we will diligently fight on your behalf until justice is served.

Ready to get started? Contact our team for your free, no-obligation consultation today.

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Why Do Most Car Accidents Happen?

Did you know there were 121,345 car accidents in Arizona in 2021? This is approximately 22.45% higher than the total number of crashes in 2020, and unfortunately, statistics show those numbers will likely continue to rise.

Car accidents can occur as a result of many reasons. But what’s usually the cause? As expert car accident attorneys, we can attest that knowing the leading causes of accidents is the easiest way to prevent them. So, before you start typing ‘why do most car accidents happen’ into your search bar, check out this blog post to find out.

Speeding

If you ask yourself ‘why do most car accidents happen,’ speeding is probably one of the first reasons to come to mind. Because a driver’s reaction time and ability to control their vehicle are reduced, the risk of dying in a car crash doubles with every 10 mph of increased speed.

Impaired Driving

Impaired driving refers to driving while under the influence of alcohol or drugs. Because alcohol consumption reduces brain function, impairs thinking, diminishes reasoning, and decreases muscle coordination, alcohol-related crashes accounted for 4.63% of all crashes and 20.23% of all fatal crashes in 2021.

Distraction

Distracted drivers are another cause of car accidents in Arizona. Typically, distractions consist of sending text messages, talking on your cell phone, or using a navigation system. In Arizona, it is illegal to talk or text on a cell phone while driving (unless it is in hands-free mode). However, even legal activities such as eating while driving can distract drivers enough to cause an accident.

Car Accident Personal Injury Claims

Why do most car accidents happen? Distracted driving and speeding are the most common causes across the nation. However, regardless of the cause, getting into an accident often has a life-changing impact on victims and their families.

While nothing can make up for the trauma car accidents cause, filing a personal injury claim can lighten the stressful burdens of medical expenses, rehabilitation costs, loss of career and related wages, and reduced quality of life.

Unsure of how to navigate the claims process? That’s what The Law Office of Zayed Al-Sayyed is here for. Our expert personal injury attorneys will diligently represent your case and work to pursue the maximum allowable compensation for your injuries.

Call a Car Accident Attorney in Phoenix, AZ

Regardless of how accidents happen, navigating the aftermath can be overwhelming, confusing, and downright frustrating. The best way to ensure that you receive the compensation you deserve is to enlist the help of an experienced car accident attorney.

If you or a loved one has been in a car accident in Phoenix, our team is here for you. Our car accident attorneys are well-versed in Arizona traffic law and have ample experience navigating insurance claims. We are passionate about fighting for your well-being and we won’t stop until you receive the compensation you deserve.

Contact our team to request your free, no-obligation consultation today.

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What is the Average Settlement For a Car Accident in Arizona?

During the aftermath of an Arizona car accident, it’s only natural to wonder how much money you can expect to receive for your injuries and damages. In fact, one of the most common questions we hear as car accident attorneys is “what is the average settlement for a car accident in Arizona?”

While the average settlement amount for Arizona car accidents ranges from $10,000 to $30,000, the amount you will receive depends on many factors. As your attorney, we cannot anticipate the exact amount of compensation you will get. We can, however, advise you on the factors that will play a role in your settlement amount.

Factors to Consider in an Arizona Car Accident

Did you know that car accident cases have settled for upwards of a million dollars? If that’s the case, why is the average settlement for a car accident in Arizona under $30,000? Allow us to explain.

The settlement amount you will receive is largely dependent on the severity of your injuries, in addition to other key factors that the insurance company or jury will need to consider when making their decision. Here are some of the factors that may determine your settlement amount:

• Insurance policy limits
• Medical expenses
• Lost wages
• Severity of the injuries
• Property damages
• Whether you were at fault in the accident

Types of Damages in Car Accident Cases

When you’ve been in a car accident, there are often a range of different damages you can face from lost income and hospital bills to depression and reduced quality of life. In Arizona, these various damages are summed up into three types of damages you could recover in a car accident claim:

• Economic Damages – This type of damages covers monetary losses that occur as a result of the accident, like medical expenses, lost wages, and property damage.
• Non-Economic Damages – This type of damages covers non-monetary losses that the plaintiff faces as a direct result of the accident, including both physical and mental forms of pain and suffering.
• Punitive Damages – This is the least common form of damages and comes into play if the defendant is found to have acted intentionally or with gross negligence.

Trusted Phoenix Car Accident Attorneys

When you’ve been involved in an accident, the last thing you want to worry about is how you’re going to pay for your mortgage or groceries on top of medical bills. To ensure that you receive the compensation you deserve, it’s essential to work with an experienced personal injury attorney who can guide you through the claims process.

If you or a loved one have been injured in a car accident due to the negligence of someone else, our Phoenix car accident attorneys are here to support you. With our Aggressive Compassionate Representation, you can depend on our dedicated team to fight aggressively on your behalf while treating you with the compassion and respect you deserve.

Contact us today for a free consultation with a personal injury attorney.

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What To Do After a Car Accident in Arizona

Learning what to do after a car accident in Arizona is important in saving you from further stress and hassle in the future. Car accidents are traumatic for all those involved, no matter the scale or repercussions. After getting into an accident, it’s easy to become overwhelmed and unsure of what to do.

The skilled car accident attorneys at The Law Office of Zayed Al-Sayyed have compiled this simple guide on what to do after a car accident in Arizona to help guide you through the aftermath. Keep reading to learn everything you need to know.

What To Do Immediately After An Arizona Car Accident

Below you can find advice on what to do immediately following an Arizona car accident.

1. Stop your vehicle.

A hit-and-run is never good for either party involved in a car accident. Penalties for such actions can amount anywhere from 30 days to more than 12 years in jail. Regardless of how uncomfortable you may feel, the best course of action is to stop immediately and handle the situation.

2. Check to see if anyone was hurt.

While you may be experiencing a million thoughts at once, it’s crucial to check yourself and the other passengers for any injuries. Arizona state law requires that those involved in an injury-related crash render assistance or call an ambulance.

3. Call the police.

Even if it was only a minor accident in your eyes, you should always call the police. Reports for injuries and property damage are essential to have on record for possible insurance claims or lawsuits. Share every detail you can remember with the officer who arrives on the scene.

4. Exchange information and collect evidence.

Don’t forget to exchange your name, address, license, and vehicle registration number with the other driver. Not only is it the law, but this information will prove invaluable if you decide to take legal action for the damage that occurred. Verify the other driver’s information by asking to see their driver’s license and insurance card. During this time, you should also take as many photos as possible and get witness statements if you can.

Addressing the Aftermath of a Car Accident in Arizona

Before speaking with any insurance providers, you should always contact an experienced abogado especializado en accidentes de tráfico. This is the most critical step in the aftermath of a car accident, regardless of who was at fault. Insurance adjusters are ruthless when it comes to taking advantage of accident victims, so it’s best to allow your lawyer to speak with them on your behalf to ensure that your best interests are looked out for.

When you meet with your Arizona car accident attorney, be sure to give them all of the evidence you have collected. There is no such thing as too much evidence, and this allows your lawyer to get a better picture of what happened and how to strategize for your case.

Call A Top Arizona Car Accident Attorney Today

With the proper knowledge of what to do after a car accident in Arizona, you can now approach any future incident with the assurance that you are following the correct course of action to protect yourself and everyone involved.

If you find yourself searching for a skilled attorney to navigate a car accident, look no further than the Law Office of Zayed Al-Sayyed. Contact our team today to request a free consultation and take advantage of the Aggressive Compassionate Representation our clients know us for.

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How Do I Get an Accident Report in Phoenix, AZ?

For Phoenix locals involved in a casualty on the road, it’s common to wonder ‘how do I get an accident report in Phoenix, AZ?’ If you were involved in an Arizona car accident that resulted in injuries or over $2,000 in property damage, there should be a police report on file that you can reference. However, you can choose to file a report even without these circumstances, which many people choose to do for protection.

Regardless of the extent of your injuries, it’s important to get a copy of your accident report. This can be incredibly helpful for insurance purposes in the event of a claim and is a valuable piece of evidence that your attorney will need to have in their possession. In today’s post, we are providing advice on how to get an accident report in Phoenix.

Filing An Arizona Car Accident Report

Under Arizona state law, you are required to report any accident involving an injury or death. If the police chooses to investigate, an accident report is then completed if death, injury, or more than $2,000 of property damage occurred. In this police report, you can find the following information about the accident:

• Time and date
• Location
• Identification of all parties involved
• A description of the scene
• Investigating officer’s name and information

How to Get a Copy of an Accident Report in Phoenix, AZ

It’s easier than you may think to acquire a copy of your accident report. Sometimes, the reporting officer will provide it to you at the scene. If not, make sure to take down their name and badge number for later. Give your local law office a few days to get everything filed and then reach out to request your copy of the accident report.

If the Arizona Highway Patrol was the first responder, you can also find this document online at the Records Unit of the AZ Department of Public Safety. Complete a request form along with a small fee of $9, then you can obtain a copy to use for a claim.

Using an Accident Report to Support Your Claim in Arizona

When first notified of your claim, an insurance adjuster will take a look at a police accident report. Upon investigation, if they find you partially at fault, they may offer a low settlement. However, we don’t recommend accepting any settlement without first consulting with a skilled Phoenix car accident attorney.

If the police report doesn’t state who is at fault, it is up to the lawyers to come to that determination. As a personal injury law firm, it is our job to prove to the insurance companies or potentially a jury that the other driver is at fault, and an accident report can help to significantly support your case during that time.

Top Car Accident Attorneys in Phoenix, AZ

If you ever find yourself in a car accident, learning how to get an accident report in Phoenix, AZ can make quite the difference in your case. This protects both you and your car from any rebuttals potentially made by the other driver or discrepancies with a claim down the road.

At The Law Office of Zayed Al-Sayyed, we utilize our famous Aggressive Compassionate Representation to fight aggressively for our clients while treating them with the utmost respect and compassion throughout the process. When you work with us, you can rest assured that we will fight to secure the compensation you deserve.

Contact us today for a free consultation with a top Phoenix car accident attorney.

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Do You Need to Call the Police For an Accident in Arizona?

A common question asked by people who find themselves in an accident is: do I need to call the police for an accident in Arizona? What many don’t realize is that in the state of Arizona, you are legally required as a responsible driver to report all incidents on the road.

One of the first things to do after an accident is to call the police, no matter how minimal the damage. The lack of injuries or harm to either the vehicle or individuals involved lead many to believe it is unnecessary, however, the law dictates otherwise.

When involved in an accident, you are also required to stay at the site of the incident until the police arrive. Immediately following an Arizona car accident, we highly recommend contacting an experienced car accident attorney who can represent your best interests and guide you through the insurance claim process.

How An Officer Can Help You

Not only is it required by law to report all accidents, but a report filed by a police officer will help in the future if you decide to file an insurance claim. The report can also aid your case if the other driver involved in the accident tries to dismiss your side.

Sometimes it takes time after the accident to sort through what happened and feel the physical effects of the altercation. In those cases, it’s even more important to have a police report to use as testimony and add credibility to your claim that the injury was in fact caused by the accident.

Otherwise, many insurance providers may disregard your claim since, without a report filed on that day and time, there is little evidence to prove that your injury happened during your car accident.

Giving a Police Report in Arizona

The most useful way you can help a police officer assist you is by giving a detailed report on the events that transpired during the accident. Keep it thorough and truthful, and never place blame on yourself or the other driver involved. Share only what you know is true from your perspective.

Ask for a copy of the report afterward by taking down the officer’s name, contact information, and the number of the report at the scene. In the report, you can find all the details of the incident including the contact information of all parties involved, signs of damage, insurance information, and vehicle details.

Hire A Top Phoenix Car Accident Attorney

So, do you need to call the police for an accident in Arizona? Yes! Regardless of the severity of the accident, calling the police at the scene is always a must.

After experiencing a car accident, it’s common to face a significant amount of stress and confusion as you navigate the aftermath. If you or a loved one have been involved in a car accident, it’s best to contact a skilled Phoenix car accident attorney who can guide you through the process of what to do next. Contact us today for a free consultation with an expert attorney in Phoenix.

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How Long Do You Have to File a Police Report After a Car Accident in AZ?

After experiencing a car accident, it’s normal to become overwhelmed with a million thoughts and feelings. Regardless of the severity, an accident is scary, stressful, and unpleasant for all involved. However, it’s important to try to remain calm at the scene and take the steps necessary to set yourself up for the most ideal outcome later on.

Filing a police report is one of the most important aspects of navigating a car accident in which injuries or property damage are involved. So, how long do you have to file a police report after a car accident in AZ? Many people are unaware that there’s a time limit here, but it’s crucial to understand that time is of the essence.

First Steps After An Arizona Car Accident

The best thing you can do to protect yourself after a car accident is to call 911 and file an accident report. The officer responding to the scene will take careful note of the situation as they work with the parties involved. These details will be written up as an accident report that you can then later access and share with your lawyer.

While it’s essential to get law enforcement to the scene as soon as possible, it’s even more important to check and help injured victims while you wait. Having emergency and police personnel on-site can then serve as a physical and psychological aid for all parties.

Expect the police and most likely the other driver to ask for your name, contact information, driver’s license, and insurance details. You should ask the same of them as well for documentation purposes, especially in case of an insurance claim.

Promptness is Key

Once everyone has been checked for injuries and damage, you must share with the officer everything that happened so they can write a thorough report. Ideally, this should be done immediately following the accident to ensure that all of the details are as accurate as possible and you can use this report for a future claim.

Without a report, you may not be able to identify the other parties involved or have necessary evidence for your case, should you need one. Insurance companies can even use the lack of a report as a way to claim that the accident never happened or, if it did, that the accident wasn’t serious enough to cause injuries or damage.

Don’t Leave the Accident Site

In the state of Arizona, it’s illegal to leave the scene of an accident before a police officer arrives. Not only that, but it’s vital to remain at the scene so the report can be filed efficiently with the necessary information.

Be clear and concise when speaking with the officer and ask for the report number before you leave. If you are working with a Phoenix car accident attorney, they will be able to help you procure this report at a later time.

How Long Do You Have to File a Police Report After a Car Accident in AZ?

There is a 2-year statute of limitations on car accidents in Arizona, beginning on the date of the incident. This limits the amount of time you have to take legal action against the other party involved in your accident, which is why it’s critical to consult with a skilled attorney as quickly as possible after the matter.

Additionally, law enforcement in Arizona is required to file a report within 24 hours if any of the following circumstances are present:

• Injury or death
• Property damage of over $1,000
• Citations have been issue

Call a Phoenix Car Accident Attorney Today

If you or a loved one have recently been involved in a car accident, our team is here to guide you through the process. With a proven track record of success, the expert Phoenix car accident attorneys at The Law Office of Zayed Al-Sayyed are fully equipped to support your family during this difficult time.

Contact us today to request a free consultation with an expert.

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What Do You Do After a Car Accident in Arizona?

Have you or a loved one recently suffered from a car accident? Wondering what to do next? As Arizona car accident attorneys, we understand just how scary car accidents can be for all those involved. With all the uncertainty, fears, and anxieties that are associated with an accident, it can be hard to know where to start.

So, if you’re asking yourself ‘what do you do after a car accident in Arizona’ we have you covered. Our legal team at The Law Office of Zayed Al-Sayyed is explaining everything you should do after getting into a car accident in Arizona.

Steps to Take After A Car Accident

What do you do after a car accident in Arizona? Here are the steps you should take:

1. Safety First

The most important thing to do after getting into a car accident is to ensure your safety. If you are able, you should move yourself and your vehicle out of the roadway and onto the shoulder or sidewalk. If possible, turn your hazard lights on and check yourself for potential injuries.

2. Call 9-1-1

In Arizona, it is mandatory to report a car accident to the police if it involves injury or death, results in over $1,000 in property damages, or involves broken traffic laws. For this reason, we recommend calling the police even for minor accidents. Additionally, a police report can be used to prove liability down the road.

3. Collect Evidence
   

After getting into a car accident, it is essential that you collect as much evidence as possible. This includes taking photos at the scene, talking to witnesses, and documenting any and all personal injuries. Remember that the more evidence you collect immediately after the accident makes for a stronger liability case.

4. See a Doctor

Even if you don’t think you are seriously injured, it is important to receive a proper medical evaluation following a car accident. Many serious injuries —like brain and spinal injuries— take time to develop, so you will want to be examined by an expert.

Additionally, a visit to the doctor can serve as evidence of injury and is a great way of claiming medical damages later (where the responsible party is required to pay for your medical bills).

5. File a Claim 

The final step to take after a car accident occurs is contacting your car insurance company and filing a claim. However, one of the best ways to ensure your claim’s success is to work through an experienced car accident attorney.

Filing a personal injury claim is a lengthy and convoluted process, and enlisting the help of a Phoenix car accident attorney guarantees that you get what you deserve. Sneaky insurance adjusters will often take advantage of your vulnerability, so allowing your attorney to take the reins is an easy way to avoid this issue.

Best Phoenix Car Accident Attorneys

So, what do you do after a car accident in Arizona? Our legal team here at The Law Office of Zayed Al-Sayyed will guide you through the process. Backed by our aggressive compassionate representation, our attorneys work diligently to craft a custom case strategy tailored to your unique needs.

With our help, you can rest assured that you will receive the compensation you are owed. Contact our team to schedule your free consultation today.

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What Is the Penalty For a First-Time DUI in Arizona?

Being arrested for a DUI in Arizona can lead to a tremendous amount of regret, guilt, and fear. If you or a loved one have recently been arrested for a DUI and are wondering what the consequences might be, we are here to provide the answers.

As experienced criminal defense attorneys, we understand that your journey through the criminal justice system can become overwhelming and stressful. With our team by your side, we will ensure that you have the best possible shot at a positive outcome in your case. So, what is the penalty for a first-time DUI in Arizona? Let’s dive in.

How Does Arizona DUI Law Work?

A DUI refers to an individual driving while under the influence of alcohol and/or drugs. Arizona imposes the legal limit of .08 percent blood-alcohol content, and driving with a blood-alcohol content that exceeds such is grounds for an arrest.

Because DUI charges also cover drugs, driving with any trace of an illegal drug in your system is also grounds for a DUI arrest. While traditional DUI charges are the least serious, Arizona also imposes extreme DUI charges and aggravated DUI charges depending on the circumstances. What is the penalty for a first-time DUI in Arizona? Well, it depends on which charge you are convicted of.

Traditional DUI Penalties in Arizona

If your blood-alcohol content exceeds .08 percent, then you will immediately lose your driving privileges in Arizona. A first-time traditional DUI is a Class 1 misdemeanor in Arizona. It is punishable by:

• No less than 10 consecutive days in jail;
• A fine of no less than $1,250;
• Mandatory alcohol screening, education, and treatment; and

Mandatory installation of a certified ignition interlock device on any vehicle you operate.

Extreme DUI Penalties in Arizona

Extreme DUI charges apply to drivers whose blood-alcohol content is .15 percent or higher. A first-offense extreme DUI charge is punishable by:

• No less than 30 consecutive days in jail (with no opportunity for probation or a suspended sentence)
• A fine of no less than $2,500;
• Mandatory alcohol screening, education, and treatment; and
• Mandatory installation of a certified ignition interlock device on any vehicle you operate.

Aggravated DUI Penalties in Arizona

The most severe DUI charge in Arizona is known as an aggravated DUI. An example of an Aggravated DUI is if a person is driving under the influence of alcohol or drugs with a minor (under 15 years of age) in the car.

Aside from automatically suspending one’s license for 90 days, being convicted of an aggravated DUI comes with criminal punishments:

• Mandatory Prison;
• Mandatory alcohol screening, education, and treatment; and
• Mandatory installation of a certified ignition interlock device on any vehicle you operate.

Top-Rated Criminal Defenders in Phoenix, AZ

If you or a loved one has been convicted of a first-time DUI in Arizona, the attorneys here at The Law Office of Zayed Al-Sayyed can help. Our team brings the level of experience, aggressiveness, and knowledge of state and local law necessary for you to successfully win your case. Give us a call or contact our team for a free consultation.