Stop Using the Other Guy's Insurance After a Crash & Do This Instead

Worried your rates will go up if you use your own insurance after a crash? In Arizona, the law says they CAN'T. If you're not at fault for a car accident, using your own collision coverage is almost always the smart move — and Arizona law A.R.S. § 20-263 protects you from a rate increase for a not-at-fault accident. In this video, Arizona personal injury attorney Chase Rasmussen explains why "just go through the other guy's insurance" is one of the worst traps after a crash, what subrogation is and how you get your deductible back, and why your own insurer becomes your teammate to prove fault. WHAT YOU'LL LEARN: 00:00 - The umbrella analogy: why you're afraid to use what you pay for 01:15 - What collision, rental, and MedPay actually cover 02:30 - Will your rates go up? Arizona Law A.R.S. § 20-263 explained 04:00 - What is subrogation and how you get your deductible back 05:20 - Why the at-fault driver's insurance owes you NOTHING 06:30 - How your insurer helps prove the other driver was at fault If you were injured in a car accident in Arizona, don't get trapped by the other insurance company. 📞 Contact Rasmussen Injury Law: rilfirm.com or (480) 637-5757 📍 Serving all of Arizona DISCLAIMER: This video is for educational purposes only and does not constitute legal advice. Every case is different. Consult an attorney about your specific situation. #CarAccident #CarInsurance #ArizonaLaw