Robert Schmitt

About Robert Schmitt

Robert E. Schmitt has been a trial attorney for over 40 years practicing primarily in the area of personal injury litigation, although he has handled cases involving a multitude of different areas of the law. He has significant experience in representing both plaintiffs and defendants and has been lead counsel in approximately 100 civil jury trials. Mr. Schmitt is certified by the State Bar of Arizona as a Specialist in the area of Personal Injury and Wrongful Death Litigation.

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Education

• Law School: Arizona State

Common questions about Insurance Law in Arizona

Answered by Arizona Attorney Search Network

How long do I have to file an insurance claim in Arizona?

Depends on the policy and the type of claim. Most insurance policies require prompt notice of claim - often within 30-60 days of the loss - and many establish contractual limitation periods (commonly 1-2 years for bringing suit). Arizona's general written-contract statute of limitations is 6 years (ARS § 12-548), but policy provisions setting shorter limits are typically enforceable if reasonable.

What are the minimum auto insurance limits in Arizona?

Under ARS § 28-4009, Arizona requires minimum bodily injury liability coverage of $25,000 per person / $50,000 per accident, plus $15,000 property damage liability (the '25/50/15' minimums, increased from older minimums in 2020). These are the floor; experts generally recommend 100/300/100 or higher given the cost of medical care and the prevalence of underinsured drivers.

How long does an insurer have to respond to a claim in Arizona?

Arizona's Unfair Claims Settlement Practices regulations (Ariz. Admin. Code R20-6-801) require insurers to acknowledge claims within 10 working days, complete investigation within 30 days (with extensions), and either pay or deny coverage in writing with explanation. Repeated or unreasonable delays can support a bad-faith claim and DIFI complaints.

Q&As answered by Robert Schmitt

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