William Wilder
American Family Insurance Group
Board-Certified Specialist: Injury & Wrongful Death Litigation
About William Wilder
William Wilder is an insurance law attorney at American Family Insurance Group serving clients in Arizona, Arizona. Arizona insurance law is codified in Title 20 of the Arizona Revised Statutes and overseen by the Arizona Department of Insurance and Financial Institutions, covering bad-faith claims handling under Noble v. National American Life, coverage disputes, agent and broker liability, and the state's Unfair Claims Settlement Practices regulations. Contact details appear below.
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Education
- Law School: IIT Chicago-Kent
Common questions about Insurance Law in Arizona
Answered by Arizona Attorney Search Network
What is subrogation in Arizona insurance?
Subrogation is the insurer's right to step into the insured's shoes after paying a claim and pursue the third party who caused the loss. Arizona recognizes both contractual subrogation (in the policy) and equitable subrogation. The 'made-whole' doctrine generally requires that the insured be fully compensated before the insurer recovers from the third party, with limited exceptions.
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.
What does the Arizona Department of Insurance regulate?
The Arizona Department of Insurance and Financial Institutions (DIFI), formerly the Department of Insurance, regulates licensed insurers, agents, and adjusters under ARS Title 20. Functions include licensing, financial solvency oversight, market conduct exams, consumer complaints, and rate and form filings. DIFI does not adjudicate individual coverage disputes but does investigate complaints and can sanction insurers for unfair practices.