How does Insurance Work in a Drunk Driving Accident Case?

Understanding how insurance works in a drunk driving accident case is essential for victims who have been injured by an impaired driver. Of all the things on your plate to handle, figuring out if and how the insurance company will cover your damages shouldn’t be one of them. If needed, a Phoenix drunk driving accident lawyer can handle your case while you focus on recovery.

Nothing can prepare you for an auto wreck with a drunk driver, but Zanes Law Firm can defend you and provide informative answers to commonly asked questions surrounding insurance coverage in these types of accidents in Arizona. 

By familiarizing yourself with the insurance process, you can protect your rights and pursue fair compensation for your injuries and damages. Learn more about the details of how insurance plays a role in your drunk driving accident case from a trusted legal firm in Arizona.

What Insurance Coverage Is Available in a Drunk Driving Accident Case?

You can verify our state’s insurance requirements with a Phoenix car accident lawyer or check Arizona’s Department of Insurance and Financial Institutions website. Drivers are required to carry minimum auto insurance coverage, which includes liability insurance to cover damages caused to others in a drunk driving accident case. 

Additionally, individuals have the option to purchase uninsured/underinsured motorist coverage, which can provide further protection if the at-fault driver does not have insurance or is underinsured.

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Can I File a Claim With the Drunk Driver’s Insurance Company?

Yes, you can file a claim with the drunk driver’s insurance company to seek compensation for your injuries and damages. After a drunk driving accident, insurance companies will work with you to obtain information about the accident.

Insurers will investigate the drunk driving accident claim and evaluate the damages to determine an appropriate settlement amount. The insurance companies are primarily concerned with protecting their own interests, so having a successful Phoenix personal injury lawyer can help ensure you receive fair compensation.

What if the Drunk Driver does Not Have Insurance or Is Underinsured?

If the drunk driver does not have insurance or is underinsured, you may still have options for seeking compensation. Uninsured motorist coverage can provide coverage if you are injured by an uninsured driver. This coverage can help pay for medical expenses, lost wages, and other damages. 

Similarly, underinsured motorist coverage can provide additional compensation if the at-fault driver’s insurance coverage is insufficient to fully compensate you for your injuries and damages.

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Will My Insurance Rates Increase if I File a Claim for a Drunk Driving Accident?

Filing a claim for a drunk driving accident does not necessarily mean your insurance rates will increase. Insurance companies consider various factors when determining premium rates, and the way that the insurance company works in your drunk driving accident case. 

In Arizona, insurance companies are prohibited from increasing rates based solely on the fact that a policyholder was involved in an accident that was not their fault. It is important to report the accident to your insurance company promptly and provide accurate information to ensure a smooth claims process.

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What Damages Can I Recover Through Insurance in a Drunk Driving Accident Case?

Through insurance, you may be able to recover various damages resulting from a drunk driving accident. These can include:

• Medical expenses: Coverage for medical treatments, hospital bills, surgeries, medication, and rehabilitation.
• Property damage: Compensation for repairs or replacement of your vehicle and other damaged property.
• Lost wages: Reimbursement for income lost due to the accident, including past and future earnings.
• Pain and suffering: Non-economic damages to compensate for physical and emotional distress caused by the accident.

How does Insurance Work if the Drunk Driver Is Convicted of DUI?

If the drunk driver is convicted of a DUI (Driving Under the Influence), it can impact how insurance covers damages for your accident case. Insurance policies typically exclude coverage for intentional or criminal acts. A DUI conviction is considered a criminal offense, and the at-fault driver’s insurance company may deny coverage for damages resulting from the accident. 

In a drunk driving case, this varies depending on the specific policy terms and conditions. It is crucial to cooperate with law enforcement, provide accurate information about the accident, and consult with an impaired driving attorney in Phoenix who can help navigate the legal complexities in such cases.

Should I Hire an Arizona Car Accident Lawyer for a Drunk Driving Accident Case?

Seeking legal representation from an experienced Arizona car accident lawyer is highly recommended for a drunk driving accident case. The skilled drunk driving accident lawyers of Zanes Law Firm serve Phoenix and the surrounding areas with compassion and a deep understanding of the intricacies of insurance claims and can advocate for your rights. 

Contact us to have a free, in-depth consultation on how insurance works in a drunk driving accident case.  We will negotiate with insurance companies on your behalf to ensure you receive fair compensation for your injuries and damages.

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