Tempe Personal Injury Attorney for Insurance Disputes

Over 20 Years Fighting Insurers Who Refuse to Pay Arizona Injury Victims

When you buy an insurance policy, you expect your insurer to investigate promptly and pay what you’re owed after an accident. That expectation is often wrong. Insurance companies have a financial incentive to deny, delay, or undervalue legitimate claims, and Arizona’s at-fault system means that coverage gaps fall directly on the people who were hurt. If the driver who hit you lacks adequate insurance, you could be left covering expenses that were never your responsibility.

At Kent Law PLC, our Tempe personal injury attorneys aggressively pursue compensation on your behalf in insurance disputes. With over 20 years of combined experience negotiating against insurers, we know how to bring carriers who previously refused to engage to the table. We’ve handled hundreds of insurance disputes and obtained positive outcomes for many of those clients. We represent injury victims on a contingency basis, meaning you pay no attorney fees unless compensation is recovered.

We handle insurance disputes involving:

• Hit-&-runs
• Uninsured motorist claims
• Underinsured motorist claims
• Lack of coverage
• Claim disputes

Call us today for a free consultation. There’s no obligation and no risk. Reach our team at (480) 359-5368.

Why Hiring a Tempe Insurance Dispute Attorney Matters

If the driver who caused your accident doesn’t carry adequate coverage, you may already have a source of compensation you don’t know about. Under A.R.S. § 20-259.01, Arizona insurers must offer uninsured motorist and underinsured motorist coverage in writing. To waive it, a driver must reject it in writing, which means many policyholders carry this coverage without realizing it. If the at-fault driver’s policy limits fall short of your full damages, your underinsured motorist coverage can help cover the gap. Arizona’s minimum liability limits are $25,000 per person and $50,000 per accident, amounts that are frequently exhausted in serious accidents, leaving victims with real uncompensated losses.

The expenses that follow a serious accident add up quickly: medical bills, vehicle repair or rental costs, lost wages, and pain and suffering. An attorney can communicate directly with the insurer on your behalf, protecting you from making statements that could be used to reduce your injury claim. Early legal involvement also protects against missed deadlines. Bad faith tort claims in Arizona carry a two-year statute of limitations under A.R.S. § 12-542, and UIM claims require written notice within three years of the accident under A.R.S. § 12-555. Missing either deadline can bar your claim entirely.

Arizona Insurance Bad Faith Claims

Arizona recognizes a bad faith insurance tort rooted in the implied covenant of good faith and fair dealing. An insurer breaches this duty when it intentionally denies, delays, or undervalues a claim without a reasonable basis. Under Arizona case law, an insurer must promptly investigate a claim, evaluate it reasonably, and pay in a timely manner. Failure on any of these grounds can constitute insurance bad faith.

Common bad faith conduct includes unreasonable delays, misrepresenting policy terms, conducting an incomplete investigation, refusing to pay a legitimate claim, and failing to inform a policyholder of applicable coverage. Arizona’s Unfair Claims Settlement Practices Act, A.R.S. § 20-461, defines specific prohibited insurer conduct and is enforced by the Department of Insurance. A successful bad faith claim may allow recovery beyond the original policy limits, including compensatory damages, emotional distress damages, and punitive damages. Arizona imposes no cap on punitive damages in these cases, and courts may also award attorney fees against the insurer.

Contact Kent Law PLC About Your Insurance Dispute

Our Tempe personal injury attorneys have handled hundreds of insurance disputes and obtained positive outcomes for many of our clients. We understand that your life doesn’t pause while a claim is unresolved, and we work to move your case forward with the urgency it deserves. Your initial consultation is free, you’re under no obligation, and you owe us nothing unless compensation is recovered.