Whose Insurance do You Call If Someone Rear-Ends You?

In the immediate aftermath of a crash, it’s easy to wonder whose insurance you should call when someone else rear-ends you. Because Arizona is an at-fault state, you can call a liable party’s insurance. Arizona requires all of its drivers to maintain at least the state’s minimum liability insurance so they can take responsibility for dangerous collisions.

You can work with a Phoenix rear-end collision lawyer to outline your right to compensation under a liable party’s insurance policy. Our influence can prevent an insurance claims adjuster from offering you an insufficient settlement. Should the need arise, we can even take evidence of your losses to civil court.

Who Takes the Blame for Your Rear-End Accident?

More often than not, the person who collides with your car needs to assume the blame for your losses. You have the right to secure that party’s insurance information after your collision so you can file a claim for support.

If you get a liable party’s insurance information, you have an answer to the question, “whose insurance do you call if someone rear-ends me?” The at-fault party has a legal responsibility to see to your recovery. You get to call their provider for support.

However, there are some at-fault drivers who will not accept responsibility for your losses. You should never pursue a driver who flees from the scene of a rear-end accident. If you find yourself involved in a hit-and-run rear-end accident, let police officers pursue the party responsible for your losses.

Finding Evidence to Support Your Claim

Whether you file an insurance claim or decide to go to civil court, you need to bring forward enough evidence to prove that someone wrongfully rear-ended you. You cannot build an insurance claim without evidence proving that a liable party:

• Owed you a duty of care
• Violated that duty
• Caused you to endure economic losses

The evidence you use to make these points can range from video footage of your collision to statements from witnesses. You can even secure a police report to submit an expert witness’s speculation on fault.

Experienced car accident lawyers in Phoenix can gather the evidence you need to build a successful insurance claim on your behalf. Our efforts allow you to prioritize any healthcare treatments you need without compromising your right to post-accident support.

For a free legal consultation, call 866-499-8989

What Happens When You Call an Insurance Company?

If someone rear-ends you, whose insurance do you call? The at-fault party’s. What comes after that call, though? Depending on the severity of your accident, some insurance companies will send an insurance claims adjuster to join you at the scene of your collision before you leave.

Insurance claims adjusters use your request for support as an opportunity to investigate your collision. Be careful when working with these parties. They can remove evidence from the scene of your crash to reduce your right to ask for support.

We recommend that you have an attorney on hand when an insurance claims adjuster comes to investigate your accident. Our presence can minimize the bad-faith behavior an adjuster might otherwise engage in.

Do You Have to Accept an Insurance Company’s Settlement Offer?

Insurance claims adjusters can reach out to you to offer you a settlement following a collision. You are under no obligation to accept your first offer, though. Most insurance claims adjusters will try to lowball their first offer in an effort to save their corporations’ money.

When you work with a Phoenix personal injury lawyers, you can submit a counter to an insurance provider. The counter can include details about the economic losses you endured due to someone else’s negligence. So long as you have evidence to tie those losses to your collision, you can better argue for financial support based on the cost of your recovery.

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When Should You Go to Court?

There’s a chance that a liable party’s insurance company may continue to refuse to acknowledge the reality of your losses. If this is the case, and you find your claim wrongfully denied, you can go to civil court.

Our team has decades of experience supporting survivors like you in fights against insurance providers. We can compile a personal injury claim against a negligent provider so you can sue for the financial aid you need.

Complete a Free Case Evaluation form now

When Should You Contact a Phoenix Car Accident Lawyer?

Even if you don’t want to file a personal injury claim against the individual driver responsible for your rear-end collision, it’s in your best interest to connect with a Phoenix car accident attorney. Our team knows how to:

• Demystify the process of filing an insurance claim
• Balance your investigation with your need to heal
• Outline the total value of your accident losses

In other words, we can streamline your recovery. Moreover, we can do so without worsening your financial situation. Zanes Law’s team works on contingency. We don’t get paid unless we secure a fair settlement on your behalf.

You may initially come to our team with questions like, “whose insurance do you call if someone rear-ends me?” Thanks to Zanes Law’s dedication to your recovery, you can count on our team long after we solve those initial problems. We’re here for you!

Let Zanes Law Help You Navigate Your Recovery

Arizona is an at-fault state. At-fault rulings give you the right to hold a specific party or parties responsible for the losses you sustain due to their negligence. So long as you have enough evidence to meet an insurance company’s burden of proof, you can argue for your right to support under a liable party’s insurance policy.

If you don’t get the money you need to recover from an insurance company, don’t panic. Zanes Law is on your side. Phoenix car accident lawyers can negotiate with insurance companies while simultaneously helping you compile a personal injury claim against your liable party. 

You can learn more about the services that may help you recover during a FREE case evaluation with our staff.

Call or text 866-499-8989 or complete a
Free Case Evaluation form

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