Many who think they have sufficient auto insurance protection learn otherwise after accidents.  One option every driver should purchase is uninsured/underinsured motorist coverage (UM/UIM).  Never sign UM/UIM waivers.

UM coverage protects you when a negligent driver in an automobile accident has no insurance.  It pays lost wages, medical costs, and other expenses associated with serious injuries.

UIM coverage safeguards you if you are injured by a careless driver who has only minimal insurance.  Since UM doesn’t apply, the other driver’s nominal coverage may not cover injuries you suffer.  Your own policy many not cover injuries, either.

Be sure you have sufficient auto coverage for all your family’s drivers.  Talk to your auto insurance agent to learn the extent to which your UM/UIM coverages will safeguard you and your family.  If they are inadequate, increase this relatively inexpensive protection.

Every year, nearly three million Americans suffer serious injuries from car, truck, bus, and motorcycle accidents.  More than 40,000 die in vehicular accidents annually.

Auto accident lawyers can serve as the voice of victims physically and financially harmed in auto accidents. 

Attorneys will bring experience, resources, and, most importantly, passion, and heartfelt concern to bear for clients harmed by negligent or inattentive wrongdoers to correct the harm they have suffered.

Anyone who believes that negligence has caused them or their family auto accident injury should seek legal counsel.

Here are seven steps in buying auto insurance that will best protect you and your family:

1.      Educate yourself about state auto insurance requirements.

2.      Compare different types of coverages.

3.      Meet with several insurance agents.

4.      Read the entire policy carefully.

5.      Make sure to list ALL drivers.

6.      Pay premiums promptly.

7.      Disclose all past claims.

attorney@sgplaw.com or 480.833.8800.

To protect your rights, always call the police if you are in an auto accident. Some states require reporting accidents to both law enforcement and the department of motor vehicles.  If you are unsure whether you need to contact the department of motor vehicles, ask the police officer when he/she arrives at the scene.  Also notify your auto insurer as well.

Here are some additional considerations:

1. Law-enforcement personnel are independent, objective, and will report an accident’s situation accurately.
2. Have your documenation available for the police.
3. Report discomfort or pain and request medical help.
4. Explain, to the best of your ability, how the accident occured.  Ask the police to photograph the scene.
5. Request that police officers obtain witness accounts.
6. Purchase a copy of the police accident report.  If you find errors, talk to the officers who wrote it, and have it corrected or note discreptancies.
7. Do not communicate with other insurers.
8. Obtain legal counsel!

Please do not hesitate to contact us at attorney@sgplaw.com or 480.833.8800.

Welcome to the SGP blog - an online catalog of information regarding Arizona Auto Accidents and other relevant information regarding personal injury claims.  Please feel free to read through the posts and check the archives.  If you have any questions, please contact us at attorney@sgplaw.com or 480.833.8800.