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Phoenix Uninsured & Underinsured Motorist Attorney

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.

Why Hire Stone Rose Law for Your Uninsured/Underinsured Motorist Claim?

  • Our attorneys have decades of experience and will work every angle to ensure you receive the compensation you deserve.
  • Our uninsured motorist lawyers are dedicated to the wellbeing of our clients, and ensure their high-quality representation is affordable.
  • We have a trustworthy process in place that is designed to help you, so you can focus on your recovery.

What Happens After an Accident With an Uninsured or Underinsured Motorist?

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:

  • Uninsured motorist coverage (UM): Another driver is at-fault and does not have liability insurance. Your insurer will help pay for medical expenses, lost wages, pain, and suffering, and property damage, up to the policy’s limits.
  • Underinsured motorist coverage (UIM): The at-fault driver’s insurance policy limits are not substantial enough to cover the resulting costs of an accident. Your insurer will help pay for your expenses that go above and beyond what their policy covers.

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.

What if I Don’t Have UM/UIM Coverage?

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.

Arizona Car Insurance Laws

Drivers in Arizona must have car insurance that either meets or exceeds the following minimum coverage levels:

  • Bodily injury liability coverage: Minimum $25,000 per person / $50,000 per accident
  • Property damage liability coverage: Minimum $15,000

Optional UM/UIM Coverage

  • Uninsured motorist bodily injury coverage: Minimum $25,000 per person / $50,000 per accident
  • Underinsured motorist bodily injury coverage: Minimum $25,000 per person / $50,000 per accident

Speak With a Phoenix Uninsured Motorist Lawyer Today

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.