Being injured as a passenger in a vehicle owned by someone other than the driver can be a complex situation, but Arizona law ensures that you have avenues for compensation. Both the driver’s and the vehicle owner’s insurance policies may provide coverage for your injuries.
In Arizona, the law requires all drivers to carry liability insurance with minimum coverage limits of $25,000 for bodily injury per person and $50,000 per accident. This coverage is designed to compensate victims for injuries caused by the insured driver. Additionally, vehicle owners are required to maintain insurance on their vehicles, which can also extend coverage to passengers. According to the Arizona Department of Insurance and Financial Institutions, “As long as you give your permission, anyone who drives your vehicle (as long as that person is not specifically excluded) will be covered under your policy.”
When an accident occurs, the primary insurance coverage typically comes from the driver’s policy. If the driver’s insurance is insufficient to cover all damages, the vehicle owner’s insurance may provide additional coverage. This layered approach ensures that passengers have multiple avenues to seek compensation for their injuries.
It’s crucial to be aware of the time limits for filing a personal injury claim in Arizona. Under A.R.S. § 12-542, you have two years from the date of the accident to initiate legal action. Failing to file within this period can result in losing your right to seek compensation.
If you’ve been injured as a passenger in a vehicle driven by a friend who doesn’t own the car, it’s essential to take the following steps:
1. Seek immediate medical attention to document your injuries.
2. Obtain copies of the accident report and any witness statements.
3. Consult with experienced personal injury attorneys to understand your rights and options.
At Hirsch Talcott, our team, including attorney Jack Hirsch, a Certified Specialist in Personal Injury and Wrongful Death, and attorney Chelsie Talcott, a former Maricopa County Deputy Public Defender, is dedicated to helping injured individuals navigate the complexities of personal injury claims. We operate on a contingency fee basis, meaning you pay no fees unless we win your case.
For more information on how we can assist you, visit our page on personal injury attorneys. To learn more about attorney Chelsie Talcott’s background, visit her profile here. For details on our fee structure, see our fee structure.
Don’t navigate this challenging time alone. Contact Hirsch Talcott at 602-903-6000 for a free consultation and let us help you secure the compensation you deserve.
