How is a liability claim handled?

In Arizona, liability claims are typically handled through a civil lawsuit, even though the actual insurance claim process might start after an accident. To begin the insurance claim process, an injured party (or someone acting on their behalf) contacts their insurance company and provides details of the accident. The insurance company then investigates the accident and evaluates the claim, taking into account the policy’s terms, conditions, and exclusions. If the insurance company finds that the claim is valid and can be paid, they will issue a settlement to the claimant. Typically, the settlement amount is determined by the insurer after evaluating the cost of medical care, lost wages, and other damages. The settlement amount may also be adjusted if the insurer finds that the claimant was partially or wholly at fault for the accident. If the insurance company denies the claim, the claimant can pursue the matter in civil court. During a civil lawsuit, the claimant will need to prove that the other party was liable for the accident, and that damages were suffered. The court will then decide which party should pay for the damages, and the amount that should be paid. If the court finds that the insurer should pay, they will issue a judgment to the claimant. In any case, it is important to have a strong understanding of the provisions of the insurance policy so that the liability claim can be accurately and fairly evaluated. The legal requirements and standards for resolving liability claims can be complex, so having a good understanding of the law is also important.

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How is a liability claim handled?

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