Coolidge Car Accident Lawyers

Motor vehicle collisions are an unfortunate reality in Coolidge, often resulting in traumatic injuries, costly property damage, or even loss of life. Injured parties frequently face overwhelming medical bills, extended recovery periods, and time away from work–creating financial hardship during an already difficult time. That is why it is crucial to retain legal counsel to help recover the compensation needed to move forward.

Entrusting your case to a trusted Coolidge car accident lawyer can help ensure you receive the maximum compensation you deserve for damages incurred.

Recoverable Losses After a Traffic Collision

After a motor vehicle crash, the physical, financial, and emotional toll on injured parties may be significant. Once liability is established and insurance coverage is confirmed, the injured party may be entitled to reimbursement for damages incurred. Below is a breakdown of the common types of recoverable losses after a car wreck:

• Medical Expenses: Costs for hospital stays, surgeries, physical therapy, doctor visits, medications, and future medical treatment for injuries related to the incident.
• Lost Wages: Income lost due to time missed at work during recovery, including lost hours, salary, and sick or vacation days used.
• Loss of Earning Capacity: Compensation for the reduction in the ability to earn income in the future due to permanent injury or disability sustained in the crash.
• Property Damage: Repair or replacement costs for the vehicle that was damaged in the traffic collision.
• Scarring or Disfigurement: Compensation for scarring or disfigurement that affect the injured party’s physical appearance or function.
• Out-of-Pocket Expenses: Miscellaneous costs, such as transportation to medical appointments, assistive devices, or home modifications made necessary by injuries.

Each case is unique, and the types and amounts of recoverable damages depend on the severity of accident-related injuries, available insurance coverage, and the strength of the evidence. An experienced Coolidge car accident lawyer can help ensure that all applicable losses are identified and recovered.

What if the At-Fault Driver Has Insufficient or No Coverage?

Not every driver on the road carries liability coverage–some have none at all. In Arizona, if you are injured in a motor vehicle collision caused by a driver who does not have liability insurance or does not have enough coverage to pay for damages incurred, you may still have options through your own auto insurance policy. This is where uninsured motorist/underinsured motorist (UM/UIM) protection may come into play.

Uninsured motorist coverage may help pay for medical bills, wage loss, and other damages if the at-fault driver has no liability coverage at all. Underinsured motorist coverage may apply when the other driver’s policy limits are too low to fully cover the resulting losses. While UM/UIM protection is not required to carry in Arizona, it is strongly recommended for protecting yourself and your passengers in serious crashes.

Filing a UM or UIM claim may still be complex, even though you are working with your own insurer. Insurance carriers may dispute the extent of accident-related injuries, undervalue bodily injury claims, or delay payment. An experienced Coolidge auto accident attorney can help you navigate the claims process, gather the necessary documentation, and advocate for the maximum compensation you are entitled to under your insurance policy.

Common Reasons Insurance Companies Deny Bodily Injury Claims

Insurers are in the business of minimizing payouts, and personal injury claims are denied for a wide array of reasons – many of which are designed to reduce their financial responsibility for the incident. Understanding the common defense tactics insurance companies use to dispute, devalue, or deny claims can help you avoid costly mistakes and protect your right to maximum compensation.

One of the most frequent reasons for a bodily injury claim denial is delayed medical treatment. If there is a significant gap in treatment from the date of the accident, the insurance adjuster may argue that the reported injuries are not related to the incident or are due to an unrelated cause. As such, prompt medical treatment is essential for documenting the connection between the car wreck and the resulting injuries.

To improve the chances of a favorable case resolution, it is important to seek immediate medical treatment after a crash, avoid speaking with insurance adjusters without legal counsel, and work with an experienced auto accident attorney in Coolidge who can advocate for your rights and challenge unfair claim denials. Unlike the insurer, your injury lawyer will have your best interests at heart and work diligently to maximize your recovery.

What is the Statute of Limitations for a Motor Vehicle Collision Case?

In Arizona, individuals injured in traffic crashes generally have two years from the date of the incident to file a personal injury lawsuit in civil court. This strict deadline, known as the statute of limitations, applies to most car accident cases. Failure to file a case within this two-year window may result in the court dismissing the matter and the loss of the right to recover damages.

If a motor vehicle collision involved a government entity–such as a city vehicle or a poorly maintained public roadway–special rules apply. Under Arizona law, a notice of claim must be filed within 180 days of the date of the incident. An injury attorney can help you understand which deadlines apply and ensure all required documents are submitted correctly and on time. To learn more, schedule a free consultation by phone or submit an online contact form today.

When to Contact an Injury Attorney for a Car Wreck

It is important to reach out to an experienced Coolidge car accident lawyer if you have suffered moderate to serious injuries, if there is uncertainty about who was at fault, or you feel the insurance company is not offering the full and fair compensation you deserve. An attorney can assess your situation, explain your rights, and determine the best course of action–whether that involves an insurance settlement or taking the case to court.

Contact a Trusted Coolidge Car Accident Lawyer Today

After a traffic collision, injured parties often face a long road to recovery. From mounting medical costs to dealing with difficult insurance companies, the claims process may be stressful and overwhelming.  With a trusted Coolidge auto accident attorney, you can move forward with confidence after a serious crash. Book a free consultation at (602) 777-3300. Our law office proudly serves clients in Pinal County and throughout Arizona.