State-Mandated Third Party Liability Coverage
Arizona Law mandates the purchase of liability insurance to cover bodily injury and property damages that you may cause in an accident. The minimum liability insurance required is 15/30/10.  This means that your liability insurance will cover bodily injury claims up to a maximum of $15,000 per [...]

Do You Have The Right Insurance Coverage and Is It Enough?
If you are an Arizona driver and cause an automobile accident, you will likely be responsible for damages to the other people involved. A claim may be made or a lawsuit filed against you for these losses.If you have insurance, you will have protection up [...]

Personal Injury: If you Lack Health Insurance and go to a Medical Provider who Demands No Payment Up-Front

Personal Injury: If you Lack Health Insurance and Pay out of Pocket for All Treatment
If you are hurt in a automobile accident, need medical attention, and are paying for all of your medical expenses out-of-pocket, then the claims process is rather straightforward. The first step is always to seek treatment and recover from your injuries. [...]

Personal Injury: If you Have ERISA Privately Funded Health Insurance
When you are the victim in a car accident and your primary care provider is an ERISA plan provided by your employer (generally a large corporation) , there is a likelihood that you will have to reimburse the health care plan for a portion of your [...]

New Changes to the Arizona Anti-Deficiency Statute:
What It Means for Homeowners
The Arizona State legislature in conjunction with Governor Jan Brewer recently passed a new bill amending the Arizona Anti-Deficiency Statute. As explained in a previous article on the Pak & Moring site, this law had generally served to protect borrowers by prohibiting mortgage lenders from [...]

Balance Billing or Provider Liens
An Important Note on Personal Injury Settlements
If you are fortunate to have health insurance, you may still be held liable for a portion of the cost of your medical care for injuries suffered as a result of an automobile accident. This is because the amount of money paid by your insurance [...]

Personal Injury: If you have AHCCCS
If you get hurt in an automobile accident, then your first priority should be to seek treatment for your injuries and get better as soon as possible. However, if your medical expenses are covered by the Arizona Health Care Cost Containment System (AHCCCS), you may run into several obstacles [...]

Personal Injury: If you Have Medicare
If you find yourself injured from an automobile accident, your primary focus is to get better. However, this can also be a confusing time, as insurance companies may be contacting you for various details of the accident and the medical care you received. While all accidents are different, an experienced [...]

Personal Injury: If you Have Private Health Insurance
If you are hurt in a car accident, need medical attention, and have your own health insurance, your insurance should cover the cost of your treatment. Upon seeking treatment, your primary health insurance will cover as much as is mandated by your policy. Arizona case law dictates that [...]