Car insurance is an important consideration for drivers in Arizona. In 2019, 53,809 people were injured and 982 were killed in auto accidents. Alcohol was found to be a factor in 26% of those deaths. If you have been involved in an accident, you may be considered a high-risk driver. To an insurance company, a high-risk driver is anyone who is more likely than others to file a claim. Bankrate defines a high-risk driver as a driver who has caused an accident, received a speeding ticket, been convicted of a DUI or who has had lapses in coverage. If you need high-risk auto insurance in Arizona, you may find it helpful to understand how your car insurance premiums change with various infractions, as well as learning about ways to help save money on your car insurance.
Rates for high-risk car insurance in Arizona
Auto insurance premiums are partly based on the risk of filing a future claim, so having incidents on your driving record can indicate to an insurance company that you are more likely to cause an accident in the future. If you cause an accident, get a ticket, have a DUI conviction on your driving record or have a lapse in coverage, you can expect to see an increase in your auto insurance premium. The amount of the increase will depend on the severity of the offense, as well as the other metrics of your policy, like your age, the type of car you drive and the coverages you have chosen.... Read more
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If anyone has been injured, provide first aid measures until help arrives. If you can, photograph the damage to both vehicles, the scene, and your injuries. If you are unable to take photos, ask someone else if he or she can take pictures for you with your smartphone. Get the names and contact information of any witnesses who saw what happened.Exchange information with the other driver, making certain to write down his or her name, contact information, registration information, and insurance information. If you can, photograph the driver’s license plate, driver’s license, insurance card, and registration paperwork. If the driver is belligerent, stay in your car until the police arrive and ask them to get the information for you. Never accept blame or say that the accident was your fault.
If you have been injured in a vehicle accident seek the advice of a car accident lawyer. In Phoenix contact Hutzler Law PLLC. In the Phoenix AZ area call (602) 730-4530 or visit us at HutzlerLaw.com
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