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According to a 2017 study by the Insurance Research Council, approximately 13% of drivers in the U.S. are uninsured. Even though they are legally required to have auto insurance to legally operate their vehicles, they do not. Others are underinsured, and some drivers flee the scene of an accident to avoid facing legal responsibility for another’s injuries or property damage.
Handling a car accident claim involving an uninsured motorist, underinsured driver, or hit and run can be complex, but Maria Jones Law Firm is up to the challenge. Our Phoenix car accident lawyers can work closely with you to determine who caused your accident, what coverage they have (if any), and how to pursue compensation through your own policy or, in some cases, from other sources. We are meticulous in our investigation of these cases and will use our experience and resources to identify any possible source of compensation and maximize the value of your claim.
For experienced help after an accident with an uninsured motorist, call (602) 603-4032. We have offices in Phoenix and Tucson and serve clients across Arizona.
Our personal injury attorneys have a proven track record in getting desired compensation for car accident victims in Arizona. Our team is available to help you 24 hours a day, 7 days a week in the case of an emergency. You just have to make one phone call!
Arizona Auto Insurance Requirements
All drivers are required to have some type of insurance to legally operate a vehicle, with each state implementing its own regulations regarding coverage amounts.
In Arizona, the following minimum coverage requirements must be met:
- Bodily injury liability coverage: $25,000 per person / $50,000 per accident
- Property damage liability coverage: $15,000 minimum
- Uninsured motorist bodily injury coverage: $25,000 per person / $50,000 per accident
- Underinsured motorist bodily injury coverage: $25,000 per person / $50,000 per accident
Although all registered vehicles are required by law to have auto insurance, it is unfortunate that many drivers in Arizona and elsewhere in the United States either fail to obtain it or simply let it lapse.
In many cases, drivers found to be at-fault in a motor vehicle accident only have minimum liability insurance policy; in such cases, the coverage far from enough to compensate the victim for various damages. A minimum liability policy is generally insufficient to cover medical expenses, lost wages, and other damages (including pain and trauma) caused by an accident. Therefore, it is advisable to consult a caring and experienced Phoenix car accident attorney immediately after an accident, especially if the driver at-fault is uninsured or underinsured.
Damages from an Uninsured Motorist Claim
Seeking the desired compensation from an uninsured or underinsured at-fault driver can be challenging particularly because their insurance carrier is expected to cover the damages caused by an accident in Arizona. Yes, you as a victim do have a right to sue the liable party. But, potential liable parties may not have sufficient assets. In such cases litigation becomes impractical.
What if your auto insurance policy includes uninsured and underinsured motorist coverage? Well, you can make a claim against your auto insurance service provider for compensation against the damages in this case. Such additional policy coverage will also prove helpful when at-fault driver’s policy coverage isn’t sufficient to cover accident damages.
For instance, let’s suppose a driver carrying $12,000 in property damage liability hits your car and causes damages worth $22,000. Now, since the at-fault driver is covered for $12,000 worth of property damage, you may be able to recover only a part of the total money spent on repairing your vehicle. Further, depending upon the specific terms of your own auto insurance policy, you may be able to file a claim for the remainder amount i.e. $10,000 from your auto insurance service provider.
Whether you have purchased the additional coverage to include uninsured & underinsured motorists or not, getting the desired compensation is not going to be an easy and straightforward process. So, it’s best to seek expert legal counsel as early as possible. Phoenix uninsured motorist claim attorneys have in-depth knowledge of various federal & state laws concerning uninsured motorist claims in Arizona. They can guide you through the legal process and ensure that you are able to recover the maximum possible compensation for your losses.
At Maria Jones Law Firm, our Phoenix car accident attorneys take on and pursue uninsured/underinsured motorist claim cases in Arizona on a contingency fee basis. It means that you do not have to pay for our services unless we help you secure compensation.
Handling Uninsured Motorist Accident Claims in Phoenix, Tucson, Mesa, Glendale & Beyond
Not all motor vehicle accidents in Arizona require the assistance of a skilled attorney. If a car accident only resulted in minor injuries and property damages and the other driver has sufficient car insurance to cover your losses, you may be able to achieve the desired settlement quickly without any assistance from an attorney.
But, if your car accident in Arizona involves uninsured or underinsured drivers (or if it’s a hit-and-run case), it’s imperative that you hire a trusted attorney specializing in pursuing uninsured/underinsured motorist claims.
Did you faithfully pay for your own auto insurance, in accordance with Arizona law, only to find yourself faced with an accident involving an uninsured or underinsured motorist? Our Phoenix car accident attorneys can help you recover the money you need for your medical bills, lost earnings, property damage, and even emotional trauma or other losses or expenses. We are here to help you, even if it was a hit and run or the other driver was not properly insured.
Call our offices at (602) 603-4032 or contact us online for a free consultation and review of your case.
Our Phoenix car accident attorneys are here to help. You just have to ask!