Uninsured in the Desert

Arizona frequently ranks among the states with a high percentage of uninsured drivers, which can make a typical car accident feel like a financial disaster. If you are struck by a driver who has no insurance or flees the scene, you may feel like there is no way to pay for your medical bills or vehicle repairs. However, you are not necessarily out of luck if you have the right coverage on your own policy.

Your Uninsured/Underinsured Motorist (UM/UIM) coverage is designed specifically for this scenario. When the at-fault driver cannot pay, your own insurance provider “steps into their shoes” to cover your damages up to your policy limits. While this provides a vital safety net, it is important to remember that even your own insurance company is a business that may try to minimize its payout during the claims process.

Even when filing a claim against your own policy, you still need a dedicated advocate. An attorney can help you navigate the nuances of Arizona’s insurance laws and fight to ensure your provider honors the full value of the coverage you’ve paid for. Don’t assume that a lack of insurance on the other side means your case is over; a thorough review of all available policies can often uncover the paths to recovery you need to move forward.