Three Cars in a Haboob
Arizona's comparative negligence + mandatory UM offer rules mean the math on a multi-car claim is usually bigger than the carrier admits.
Transcript
TSLThree cars in a haboob on I-10. Two of them are out-of-state. In Arizona, this gets weird fast.
TSLDriver one - California. Hundred-thousand-dollar policy. Driver two - Phoenix, state minimums, twenty-five thousand. Driver three - our guy. Rear-ended through no fault of his own.
TSLArizona is a pure comparative negligence state. Translation - even if our guy was 10 percent at fault for tapping his brakes, he still recovers 90 percent of his damages.
TSLMost states would zero him out. Not this one.
TSLVerdict - our guy has three policies stacked in his favor.
TSLAnd his OWN uninsured-motorist coverage, which Arizona requires every carrier to OFFER you. Most people don't know they have it. Most adjusters won't mention it.
Tom BriggsWe feel the claim is fully resolved at the policy minimum.
TSLHe has three policies. Tom is wrong.
TSLIf you got hit in a monsoon pileup, the math is way better than Tom will tell you. Call before you sign anything.
TSLFighting suits. Not wearing them.