Pursuing an Uninsured Motorist Claim in Arizona

Pursuing an Uninsured Motorist Claim in Arizona When you’ve suffered injury or property damage in an accident, you deserve to be compensated – even if the driver at fault lacks insurance coverage.

Almost nothing can ruin your day quite as quickly as finding yourself involved in an auto accident, with the exception of finding yourself in an auto accident with an uninsured motorist.

As of July 1st, 2020, a bill signed by Arizona Gov. Doug Ducey went into effect, increasing the minimum coverage required under auto insurance policies. Previously, Arizona had some of the lowest minimum requirements in the country. The new bill was intended to account for the increased cost of medical care. The new minimums are as follows:

  • $25,000 in liability insurance for one person’s injury or death
  • $50,000 in liability insurance for multiple people’s injuries or deaths
  • $15,000 in liability insurance for property damage

The previous minimums were $15,000, $30,000, and $10,000 respectively.

But despite Arizona’s state requirement that all motor vehicles have the minimum insurance coverage, not everyone complies. However, when you’ve suffered injury or property damage in an accident, you deserve to be compensated – even if the driver at fault lacks insurance coverage.

Uninsured Motorist Coverage

When you have uninsured motorist coverage, it serves to protect you and your passengers in the event that any of you suffer bodily injuries in an accident in which the other driver has no liability coverage. In such a case, your own insurance company will provide compensatory damages to you and anyone in your vehicle who suffers an injury – up to your policy limit. As you can see, having this type of coverage can prove extremely valuable.

Although Arizona, which is a traditional at-fault state, allows you to file a claim against the uninsured motorist, it doesn’t always make much of a difference. While you can attempt to sue the at-fault driver and go after his or her assets, you may not have much luck – even if you win the case. Many of the drivers who lack insurance do so because they simply do not have the finances.

Underinsured Motorist Coverage

You can also purchase underinsured motorist coverage to cover any injuries you and your passengers sustain that exceed the liable driver’s coverage. In these types of circumstances, your insurance company will pay out compensatory damages for costs exceeding the underinsured motorist’s policy limits. It will pay out up to the limit of your own policy.

Zanes Law Can Help Those Injured by an Underinsured Motorist

If you or a loved one has been injured in an auto accident due to the negligence of someone else, it can leave you battling physical, emotional, and financial hurdles. However, when that someone else is uninsured it can make matters much more complicated. But the good news is that a qualified Arizona Auto Accident attorney can help to improve your chances for success and can help to make a difficult situation easier. At Zanes Law, we will help you fight for the compensation that you deserve. To learn more or to schedule a free consultation, call us at 833-214-0917!

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