As a individual damage attorney with offices in the 2 Glendale and Phoenix, my staff and I represent thousands of injured people each and every 12 months, the majority of whom were injured in automobile accidents.
We see the effect that being injured in an accident has on the victim and his/her loved ones – I can tell you this effect is substantial. The biggest challenge that our clients who are considerably injured face is the lack of insurance that is typically offered to compensate them. “Fair” compensation for their injuries seldom exists.
Due to this, Arizona State Representative Ethan Orr of Tucson’s Legislative District 9 proposed House Bill 2165. This bill would have raised the minimum auto insurance coverage coverage needs from its present amounts of $ 15,000 per man or woman/$ thirty,000 per incident and $ 10,000 in residence damage coverage to the larger level of $ 25,000 per person/$ 50,000 per incident and $ twenty,000 in home injury coverage. The last time the State of Arizona raised these limits was in 1972, more than forty years ago.
I routinely represent automobile accident victims who are injured and have in excess of $ 15,000 in health care payments, but don’t have broken bones and do not want surgical procedure. By most requirements, they are not “severely” injured. If this victim, who is not “severely” injured, was injured by a driver with the $ 15,000 in minimum insurance coverage coverage, there would not be enough funds to pay out the victim’s health-related payments, which exceed the auto insurance coverage coverage minimal limits. There certainly wouldn’t be sufficient money to compensate the victim for his/her ache and struggling, lost wages, or any additional damages that the victim has suffered. I really don’;t believe that any of us can call this resolution “fair.”
Can you envision how massive your healthcare payments would be with broken bones or when surgical treatment is necessary? Can you picture how much pain and struggling you would have with this sort of injury? Can you picture how much time you may possibly miss from operate with this kind of damage? How significantly cash do you feel you ought to be paid in buy that have a “fair” resolution if a negligent driver injured you so severely that your total life modified? $ 15,000?
At my huge personalized damage law practice, we signify a significant number of auto accident victims yearly. In 2013, roughly 20 % of all victims we represented had been paid the total insurance coverage policy limits the at-fault driver had. That signifies that for roughly 20 percent of the clientele we represented in 2013, the at-fault driver did not have sufficient insurance coverage coverage to totally compensate our clientele.
So what did our Arizona State Home of Representatives do with House Bill 2165? Jan. 14, there was an informational hearing of the Home Insurance coverage Committee. At this hearing, there was a single group who spoke in opposition to the bill. That group was the Home Casualty Insurers Association of America. So, the only opposition was the insurance business itself, who would have to pay out far more cash to pretty compensate accident victims, had been the bill to pass.
The subsequent step would have been for Property Bill 2165 to be assigned to the Committee and voted on. Unfortunately, Home Bulk Leader Andy Tobin, who after owned and operated his own Farmers Insurance Company, refused to assign Home Bill 2165 to Committee for a vote. This refusal generally killed the bill in the Property of Representatives. It has no chance of turning out to be a law this 12 months. So a lot for looking out for the rights of accident victims.