Why Auto Insurance Matters in Arizona
Whether you’re commuting through Scottsdale’s busy intersections or cruising down the Loop 101, Arizona law requires every driver to maintain minimum auto insurance coverage. But when an accident happens, understanding what your policy covers — and what it doesn’t — can make all the difference in protecting your rights.
At Rideout Law Group, our Scottsdale auto accident lawyers help drivers, passengers, and injury victims navigate insurance claims, coverage disputes, and personal injury cases across Maricopa County and beyond.
Arizona’s Minimum Auto Insurance Requirements
Under A.R.S. § 28-4009, every Arizona driver must carry liability insurance at or above these minimum levels:
- $25,000 for bodily injury or death of one person
- $50,000 for bodily injury or death of two or more persons
- $15,000 for property damage
These limits may sound sufficient — but in reality, they often don’t cover the full cost of a serious accident. Medical bills, lost income, and long-term care can quickly exceed minimum policy limits, leaving drivers financially exposed.
Optional Coverages That Offer Better Protection
In Scottsdale, where traffic congestion and luxury vehicles are common, additional insurance coverage can provide valuable protection:
- Uninsured/Underinsured Motorist (UM/UIM): Covers you if the at-fault driver doesn’t have enough insurance.
- Medical Payments (Med Pay): Helps pay for medical costs regardless of fault.
- Collision Coverage: Pays for repairs to your own car after an accident.
- Comprehensive Coverage: Protects against theft, vandalism, or weather damage.
Our Scottsdale personal injury attorneys often see clients struggling because the at-fault driver was uninsured or underinsured. Having the right coverage before an accident happens can make a major difference in your recovery.
When the Insurance Company Won’t Play Fair
Insurance companies often prioritize profit — not people. Even if you pay premiums faithfully, insurers may:
- Delay or deny valid claims
- Offer low settlements
- Pressure you to sign away your rights
When this happens, it’s time to call Rideout Law Group. Our auto accident attorneys in Scottsdale have decades of experience negotiating with major insurers and, when necessary, taking them to court. We’ll review your policy, handle communication, and fight for the compensation you deserve.
Common Auto Accident Scenarios in Scottsdale
Our legal team regularly handles insurance-related claims involving:
- Rear-end and intersection collisions
- Hit-and-run accidents
- Distracted or impaired driving
- Uninsured motorists
- Pedestrian and bicycle accidents
From the 101 and Shea Blvd to Old Town Scottsdale, we understand the unique traffic and accident patterns in the area — and how to navigate local courts effectively.
Why Choose Rideout Law Group
- Local Experience: Deep familiarity with Maricopa County courts and Scottsdale traffic laws
- Aggressive Advocacy: Former prosecutor insight into both civil and criminal sides of car accident cases
- Personalized Representation: Direct attorney access and honest communication
- Full-Service Legal Support: From insurance claims to personal injury lawsuits
Get Help After a Scottsdale Auto Accident
If you’ve been injured in a car crash or your insurance company isn’t treating you fairly, the team at Rideout Law Group is ready to help. We represent clients across Scottsdale, Tempe, Mesa, Chandler, Gilbert, and the entire Phoenix metro area.
Scottsdale Office: 11111 N Scottsdale Rd, Suite 225, Scottsdale, AZ 85254
Call: (480) 584-3328 or Toll-Free (833) 854-8181
Contact Us Online: rideoutlaw.com/contact
Free Case Reviews Available