What happens if the at-fault party doesn’t have insurance after a motorcycle accident? In this situation, you may still have a chance to seek compensation to cover the losses associated with the collision, including your medical expenses and vehicle repairs.
Our team at Zanes Law can review your options to seek financial damages in Arizona. Depending on your situation, you may work with your insurance company or file a lawsuit against the driver who struck you.
By calling us or completing our online contact form, you can learn more about the fallout of a motorcycle accident with an uninsured driver.
What Happens if the Person at Fault in a Motorcycle Accident has No Insurance in Arizona?
Arizona requires all drivers to carry insurance before they operate a vehicle. This law covers motorcyclists and other motorists and acts as protection in the event of an accident. Unfortunately, some drivers ignore these regulations.
Several things may happen if the driver who caused your motorcycle accident lacks insurance. First, the uninsured driver may receive a ticket for breaking the law, leading to financial penalties.
You may also have a chance to seek damages through your motor vehicle insurance. You can learn more about this process with a motorcycle accident lawyer in Arizona.
For a free legal consultation, call 866-499-8989
Can You File an Insurance Claim After an Accident with an Uninsured Motorist?
Depending on the kind of insurance policy you carry in Arizona, you may have a chance to file a claim with your insurance company after a collision. Arizona does not require drivers to carry Uninsured/Underinsured Motorist (UI/UIM) coverage, but you can purchase this policy.
Drivers with UI/UIM coverage can file a claim directly with the insurance company. Generally, these policies provide minimal amounts of coverage. However, if you bought a more significant policy, you could receive additional compensation after a motorcycle accident.
What Compensation do You Get Through UI/UIM Insurance?
If you have UI/UIM coverage through your insurer, you may receive funds to cover your medical expenses following a motorcycle accident. Generally, this coverage provides you with funds to address your:
- Emergency medical costs
- Medical tests and procedures
- Physical therapy and rehabilitation
UI/UIM coverage may also address the medical expenses of passengers with you at the time of the accident. However, UI/UIM coverage usually doesn’t cover property damage expenses, including vehicle repairs.
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How do You File a UI/UIM Claim in Arizona?
You can file a UI/UIM claim with your insurance company by reporting the accident and notifying them about the other driver’s status. In addition, a motorcycle accident attorney can review your policy to ensure you provide the correct information when filing your claim.
Once you file the claim, the insurance company usually performs an investigation. Representatives may ask you for additional information or request a statement while working on the claim.
After completing the investigation, the insurance company may issue you funds to cover your losses. Discuss what happens if the at-fault party doesn’t have insurance in a motorcycle collision by contacting us now.
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Can You Sue an Uninsured Driver After a Motorcycle Accident?
What if you don’t have enough UI/UIM coverage to address your losses after a motorcycle accident with an uninsured driver? In this situation, many drivers wonder if they can file a lawsuit against the person who struck them.
You may have a chance to file a personal injury claim against the at-fault party. A lawsuit can allow you to seek funds to cover your:
- Current and future medical expenses
- Lost wages at work
- Property damage
- Pain and suffering
However, many uninsured drivers fail to carry insurance because they cannot afford the premiums. Therefore, they may lack the means to cover your losses, even after a lawsuit. Discuss these factors with your lawyer before moving forward with your claim.
Can You Go to Jail for Not Having Car Insurance in Arizona?
Generally, uninsured drivers do not face jail time in Arizona. However, they may have to pay expensive fines or deal with the suspension of their license after an accident.
Note that driving without insurance does not make the other driver automatically at fault for your motorcycle accident. To seek compensation, your lawyer may need to investigate to gather evidence that the other driver acted negligently to cause the collision.
Drivers act negligently when they owe you a duty of care, violate their duty, and directly cause your accident. We can assess your situation to look for liability in Arizona.
How Long do You Have to File a UI/UIM Claim in Arizona?
Generally, legal professionals recommend that you contact your insurance company and begin filing claims as quickly as possible after a collision. Waiting too long to move forward can make it more difficult to seek compensation.
Additionally, Arizona has a statute of limitations for personal injury claims. Therefore, you may only have two years to file a lawsuit against an uninsured driver. Find out more about what happens if the at-fault party doesn’t have insurance and your options immediately by contacting us.
Our team handles motorcycle accident claims on a contingency basis in Arizona, meaning we can review your legal options and advise you without charging legal fees. We only receive payment after resolving your case.
Speak to Us About Motorcycle Accidents With Uninsured Drivers
What happens if the at-fault party doesn’t have insurance following a motorcycle accident? In this situation, you may file a claim with your insurance or sue the other driver with help from a motorcycle accident attorney in Arizona.
Find out more about how to handle this legal situation with our team at Zanes Law. Call us or fill out our online contact form to get started.