Dealing with property damage after a car accident in Arizona can be frustrating—especially when you’re trying to get your vehicle repaired or replaced. Whether your car is drivable, in the shop, or declared a total loss, it’s important to understand your rights, responsibilities, and insurance options.
Below is a breakdown of what to expect and how to protect yourself during the claims process.
Is Your Car Safe to Drive?
If your vehicle is drivable and safe, continue using it until repairs are scheduled. Most body shops can help you arrange a rental car while your vehicle is being repaired.
If the at-fault driver has sufficient property damage coverage, their insurance should cover both your repair costs and rental expenses. However, this can become complicated in multi-vehicle accidents or where there is insufficient coverage on the policy.
Arizona’s Property Damage Coverage Limits
Many Arizona drivers only carry the state minimum property damage coverage—$15,000. If multiple cars are damaged in a crash, and total repair costs exceed that limit, the insurance payout is divided proportionally between all parties based on repair estimates.
In these cases, using your own collision coverage can speed up repairs. Your insurer can then seek reimbursement from the at-fault party. You may have coverage if you have elected to carry Collision coverage on your policy prior to the date of the crash.
You may also have rental reimbursement coverage, which pays for a rental car—but only up to your policy’s time or dollar limits. Be sure not to exceed those limits, as you’ll be responsible for any additional charges. This is optional coverage and needs to be added to your policy before the date of the crash.
When Your Vehicle Is a Total Loss
If your vehicle is declared a total loss (also called a constructive total loss), you’ll usually receive a rental car until a settlement offer is made, as long as there is adequate coverage on the policy. Once the offer is presented, you typically have 3 to 5 days to return the rental.
To maximize your settlement, gather receipts for:
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Custom upgrades (e.g., rims, sound systems)
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Recent repairs or enhancements
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Accessories that add value
The insurance company will calculate fair market value, factoring in things like mileage, previous damage, and depreciation. They’ll also include applicable sales tax and registration/tag refunds.
✅ Pro Tip: If your car is totaled, start shopping for a replacement early—but don’t tell dealers it was totaled. Just mention you have no trade-in.
If you decide to keep the totaled vehicle, you’ll apply for a salvage title, and the insurer will subtract the salvage value from your payout. You must provide proof of salvage title application within 45 days to receive final payment.
Rental Vehicle Guidelines
If your insurance includes rental reimbursement, here’s what to know:
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If you have collision coverage, you usually don’t need the rental company’s extra collision insurance.
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If you don’t have collision coverage, you’ll be responsible for optional protections.
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Without personal auto insurance, you must purchase liability coverage from the rental agency to meet Arizona legal requirements.
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Your rental vehicle should be comparable to your own—not an upgrade.
Damaged Personal Property Inside the Vehicle
If personal items inside your vehicle were damaged in the crash, you’re entitled to the current value, not the original price.
Example:
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A car seat bought for $300 with a 5-year life span
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If it’s 2 years old, it may be valued at 60% ($180)
Provide receipts or proof of purchase. You can often get these from your bank or credit card statements.
Note: Installed vehicle equipment (like stereos, lights, or alarm systems) is part of your vehicle damage claim, not your personal property claim.
Key Takeaways for Arizona Drivers
✅ If your vehicle is drivable, keep using it until repairs are scheduled
✅ Use your own insurance if the at-fault party’s coverage is limited
✅ Track all repair documents, bills, and receipts
✅ Begin shopping early if your vehicle may be totaled
✅ Know your policy limits for rentals and collision coverage
✅ Reach out to Loefgren Law for help with property damage disputes
🚗 Need Help With Property Damage After a Car Accident in Arizona?
At Loefgren Law, we help Arizona drivers resolve vehicle repair delays, insurance disputes, and total loss claims every day. Don’t let insurers underpay or delay your claim—get the guidance you need.