Uninsured & Underinsured Motorists - Automobile Accident Attorney

Phoenix Uninsured & Underinsured Motorist Attorney

Uninsured & Underinsured Motorists
Many drivers ignore motor vehicle insurance requirements, cannot afford to purchase insurance, or carry insufficient insurance. Uninsured motorist coverage is a form of insurance that pays for bodily injury that results from an accident with a driver who is legally responsible for the injuries, but has no liability coverage. Underinsured motorist coverage pays for bodily injury that results from an accident with a driver who has liability insurance with limits that are inadequate to fully compensate the injured person for their injuries, expenses, and losses.

Arizona Automobile Insurance Requirements
Automobile insurance is generally divided into two distinct categories: (1) bodily

injury and (2) property damage. Currently, under Arizona law, a motor vehicle is required to have merely minimum liability insurance: for bodily injury, only $15,000.00 per person, $30,000.00 per accident; for property damage, only $10,000.00. Obviously, with today's rising medical care costs and new car prices (and repair costs), even the legal minimums are not always enough to pay for the medical bills, pain and suffering and property damage caused by an accident. Arizona law no longer requires each automobile policy to have mandatory uninsured and/or underinsured motorist coverage. Each insurance company is simply required to offer such coverage in writing, but you are free to decline one or both coverages. Sometimes even drivers that do have uninsured or underinsured motorist coverage do not have enough. And, often, a driver claims to have "full coverage" only to find out after an accident that he does not have uninsured and/or underinsured motorist coverage.

Uninsured Motorists
Typically, uninsured motorist coverage protects injured drivers if the at-fault driver has no insurance. Uninsured motorist coverage can also apply when someone is injured in an accident with an unidentified hit-and-run vehicle. If a person has uninsured motorist coverage and is in an accident with an uninsured motorist, he or she can collect from his or her insurance company to recoup damages. If you are involved in an accident with an uninsured motorist, you should consult with Blake Law Firm to ensure that you obtain all of the compensation you are entitled to recover.

Underinsured Motorists
Underinsured motorist coverage provides compensation for injured drivers when the at-fault driver does not have enough liability insurance coverage to compensate the injured party in full for his or her injuries. If a person who has purchased underinsured motorist coverage is in an accident with an underinsured motorist, he or she may be able to collect from his or her insurance company the amount of any damages that are greater than the responsible party's limits.

The probability of an accident being caused by an uninsured or underinsured motorist is very high. If you are in an accident with one of those drivers, how do you get your vehicle repaired or replaced? Can you recover for your medical bills, lost wages and pain and suffering? What if the driver has insurance, but is underinsured?

At Blake Law Firm, we understand uninsured and underinsured motorist claims. We understand your frustration, and we can help you through every step of the process.

Contact Our Phoenix Uninsured & Underinsured Motorist Attorney
If you or a loved one have been involved in an accident with an uninsured or underinsured driver, it is important that you contact an attorney at an experienced personal injury law firm immediately so you do not waive valuable legal rights. Blake Law Firm will evaluate your case free of charge. Click on the FREE CONSULTATION button to receive a free accident consultation.