Being in a car accident can be a terrifying situation, and even more so if the other driver is uninsured or underinsured. By law, drivers in Arizona must carry liability insurance, but that does not stop people from driving without it. If your ability to obtain compensation after a car accident is limited or nonexistent, we strongly encourage you to contact a Phoenix uninsured motorist attorney at Stone Rose Law. Our lawyers can evaluate your case and go over any legal options you have.
What happens after an accident with an uninsured or underinsured motorist will likely depend upon your own insurance coverage. If you have Uninsured Motorist/Underinsured Motorist (UM/UIM) coverage, your insurer will help cover the losses you have sustained. This is how you will be protected:
This type of coverage is optional, so you will have to check your policy. Any costs that exceed the policy’s limits will not be paid for. It is always best to speak with a personal injury attorney in Phoenix who has experience handling accident claims involving uninsured or underinsured motorists.
If you get into an accident with a driver who doesn’t have insurance or adequate enough coverage, and you yourself don’t have UM/UIM coverage, the at-fault driver can be sued for any personal assets. Pursuing a personal injury lawsuit can be a long and daunting process. An experienced Phoenix car accident lawyer can help minimize the stress by handling the case for you, and ensuring you have the evidence you need to hold the at-fault driver accountable.
Drivers in Arizona must have car insurance that either meets or exceeds the following minimum coverage levels:
If you have been involved in a car accident with an uninsured or underinsured motorist, contact Stone Rose Law. We will help you fight for the compensation you are warranted. To schedule a free consultation with an uninsured motorist attorney in Phoenix, call our local law office at (480) 498-8998, or fill out our online contact form.