Call Today: 480-833-8800
Toll-FREE: 800-501-2782
Call Today: 480-833-8800
Toll-FREE: 800-501-2782

Uninsured/Underinsured Motorist Accidents

23

Learn More about Your Options as a Hit and Run / Auto Accident Victim of a Uninsured Motorist

Driving is a privilege that is often abused. Being involved in a car accident is a risk every driver faces, especially when other drivers on the road are not paying attention or are driving carelessly. The consequences of an accident are all the more distressing when the driver at fault is uninsured. How can you protect yourself against a driver without insurance?

Like many U.S. states, Arizona requires all drivers to carry minimal auto insurance policies and up-to-date vehicle registration. Unfortunately, there are drivers on Phoenix and Mesa-area roadways that either don’t have insurance due to unforeseen financial circumstances or simply have inadequate levels of insurance. You can protect yourself and your loved ones by opting for uninsured motorist coverage in your own auto insurance policy. It can provide financial relief if you are ever involved in a hit and run or other type of car accident with an at-fault driver without insurance.

What Does the “Uninsured Motorist Coverage” Portion of My Auto Insurance Policy Mean?

Most auto insurance policies give the option to elect uninsured/underinsured motorist (UIM) coverage. This policy extension helps provide compensation for medical bills and vehicle repairs for accident injuries caused by at-fault motorists with limited or no insurance. It is better to have some help than to pay all costs out of pocket.

Uninsured/underinsured coverage is offered at a minimum of $15,000/$30,000 limit, with the option to qualify for higher limits with select auto insurance providers and drivers. The payouts are not limited to just medical treatment and vehicle repairs. They can also cover lost wages, physical therapy and other fees/costs relating to the accident.

Can I Protect My Rights with an Uninsured Motorist Claim?

Underwhelming settlements are a potential outcome of any insurance case. Even for a company’s most long-standing, loyal customers, there is still the risk of being treated unfairly. Problems range from unsatisfactory customer service, claim denials and disappointing settlements to harassment and unfair premium price hikes after the accident. Protect your rights with a qualified auto accident lawyer. It’s best to go with a personal injury attorney in the state the accident occurred. The professionals in that state will know their region’s laws best. This will work to your advantage in protecting your rights against insurance claim adjusters and the issues that arise from uninsured/underinsured motorists also involved in the claim.

Be mindful of how much time passes before you file a claim. Try to meet with a personal injury lawyer as close to your accident date as possible to get your case documented, even if you do not file a claim at that time. It is helpful to have a car accident lawyer who knows the Arizona’s driving laws and the deadline to file your case. The right lawyer can help you achieve a quicker settlement, a more satisfactory return and less hassle all around.

Skousen, Gulbrandsen & Patience is a Phoenix personal injury law firm that is here for every type of car accident resulting in serious injuries. We understand that you need answers fast, especially when the other driver fled the scene or has very low or nonexistent insurance. Let us be here for you in your time of need. We do not charge fees until you win your injury claim. Contact our Phoenix-area auto accident lawyers 24/7 online with our form.