Mesa Uninsured & Underinsured Motorist Attorneys

Protecting Our Clients’ Rights to Recovery

At Skousen Gulbrandsen & Patience PLC, our team understands how frustrating and frightening it can be to be injured in a car accident, only to learn that the at-fault driver lacks sufficient insurance to cover your losses. Injuries can be expensive to treat, and it doesn’t help that you’re also losing wages from having to miss work. Recovering from injuries can put a financial strain on both you and your family, which is unfair when you didn’t cause your accident.  Fortunately, our Mesa uninsured and underinsured motorist attorneys have decades of experience helping clients secure the compensation they need to successfully heal, including cases involving uninsured or underinsured drivers. Whether you were in a truck accident, car crash, or a hit and run, we can analyze your existing insurance policy and find a solution that benefits you.
Call our lawyers at (480) 833-8800 today to take advantage of your free consultation or contact us online. We speak English and Spanish and have served our community for 60 years.

What Are Arizona’s Liability Insurance Requirements?

Arizona law requires all drivers to carry minimum liability insurance, but these limits are often not enough to cover serious accidents. As of June 2026, Arizona requires drivers to carry at least:
  • $25,000 per person for bodily injury or death
  • $50,000 per accident for total bodily injury or death
  • $15,000 per accident for property damage
Despite these requirements, many drivers remain uninsured or underinsured. This is why having UM/UIM coverage is so important after a crash. Drivers who fail to carry insurance may face penalties including fines, license suspension, and vehicle registration suspension. Contact Skousen Gulbrandsen & Patience PLC to start working with an experienced uninsured driver lawyer in Arizona.

How Underinsured and Uninsured Motorist Claims Actually Work in Arizona

Uninsured and underinsured motorist coverage are benefits that may be available to you by your insurance company in the event that you’re injured by a driver who lacks the coverage you need. The main difference between uninsured and underinsured motorist coverage is whether the driver who caused your injuries has the auto insurance to cover damages after an accident. 

Uninsured Motorist Claims

If the at-fault driver has no insurance at all, you can file a claim through your uninsured motorist (UM) coverage. This type of claim is common in hit-and-run accidents or situations where the driver is identified but has no valid policy. Your uninsured motorist attorney can present evidence of liability and damages directly to your insurer. Although this is your own policy, the insurance company still evaluates your claim carefully and may attempt to limit what it pays.

Underinsured Motorist Claims

Underinsured motorist (UIM) claims apply when the at-fault driver has insurance, but their policy limits are not enough to cover your damages. In these cases, you typically:
  • File a claim against the at-fault driver’s insurance first.
  • Then pursue additional compensation through your UIM coverage.
For example, if your damages total $100,000 and the at-fault driver only carries $25,000 in coverage, your Mesa underinsured motorist accident lawyer can help you pursue the remaining $75,000 through your own policy, depending on your coverage limits.

Why Your Own Insurance Company Isn’t on Your Side

Many people assume their insurer will automatically act in their best interests. Unfortunately, insurance companies are still businesses focused on minimizing payouts. Even in UM or UIM claims, insurers may:
  • Dispute the severity of your injuries
  • Question liability or fault
  • Delay processing your claim
  • Offer settlements that are lower than what you deserve
Working with an experienced uninsured motorist accident attorney or uninsured driver accident lawyer in Arizona helps to ensure your claim is properly documented, negotiated, and, if necessary, litigated. Our Mesa uninsured motorist attorneys handle these disputes regularly and know how to push back against unfair tactics.

What to Do After an Accident

After a car accident, taking the right steps can protect both your health and your legal claim:
  1. Seek medical attention immediately, even if injuries seem minor; some conditions appear days or weeks later.
  2. Follow all treatment recommendations and keep records of medical visits, diagnoses, and expenses.
  3. Document the accident scene if possible, including photos and witness information.
  4. Report the accident to your insurance company but avoid giving recorded statements without legal guidance.
  5. Contact an uninsured motorist accident attorney to review your options.
Deadlines for UM/UIM claims can vary based on your policy and the circumstances of your case, so it is important to speak with an attorney as soon as possible. Call Skousen Gulbrandsen & Patience PLC at (480) 833-8800 today to discuss your potential claim.

Compensation Available After an Uninsured Motorist Accident

If you were injured by an uninsured or underinsured driver, you may be entitled to compensation through your UM/UIM coverage. An experienced Arizona uninsured accident lawyer can help you pursue damages such as:
  • Medical expenses, including ongoing treatment and rehabilitation
  • Lost wages and reduced earning capacity
  • Pain and suffering
  • Emotional distress and mental health treatment
  • Property damage in some cases
  • Funeral and burial expenses in wrongful death claims
Every case is different, and the value of your claim depends on your injuries, your policy limits, and how effectively your uninsured motorist accident lawyer builds your case.

How Our Mesa Uninsured Motorist Lawyers Build Strong Cases

At Skousen Gulbrandsen & Patience, PLC, our approach focuses on securing your recovery while minimizing stress during the process. Our team of UM and UIM accident attorneys can:
  • Conduct a detailed review of your insurance policy
  • Gather medical records, accident reports, and expert opinions
  • Establish clear liability and document your damages
  • Handle all communication with insurance adjusters
  • Negotiate aggressively for a fair settlement
  • Take your case to court if necessary
Whether you need a Mesa uninsured motorist accident lawyer or an uninsured motorist attorney in Arizona, we work to ensure your claim is taken seriously and fully valued. Contact us today at (480) 833-8800 to get started on your UM/UIM accident claim.
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We've Helped Thousands of Clients Throughout the East Valley
Client Testimonials

"Being in a car accident was difficult enough. Not having to worry about the case or how things would be paid out for medical expenses was the greatest…Thanks so much for everything!"

Lynsey, 
Consultant

"My experience with Skousen, Gulbrandsen & Patience has been nothing short of amazing... I recommend Skousen, Gulbrandsen & Patience to all my friends and family..."

Rusty, 
Client

"Jess was amazing. He instantly put my mind at ease on the handling of my case. If you want great results and to deal with great people, Jess Gulbrandsen is who you need to see after a car accident."

Todd, 
Client
Why You Can Trust Us to Handle Your Case:
A Record of Results
We have recovered millions of dollars for injured clients throughout Arizona and are proud members of the prestigious Million Dollar Advocates Forum.
Experience on Your Side
Founded in 1961, we are among the oldest firms in the East Valley, proudly serving injured clients in our communities for 60 years.
Personalized Legal Solutions
We believe in treating each client and case with the individualized care and attention that they deserve.
Dedicated Attention
When you hire our firm, you will work with one attorney from start to finish, ensuring that your representation is intimately familiar with the details of your case.

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Whether you have questions or you’re ready to get started, our legal team is ready to help. Complete our form below or call us at (480) 833-8800.


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414 East Southern Ave
Mesa, AZ 85204
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The information on this website is for general information purposes only. Nothing on this site should be taken as legal advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute, an attorney-client relationship.

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