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Uninsured/Underinsured Motorist Claims
Arizona Uninsured Motorist Claim Attorneys — Handling Insurance Issues
Insurance coverage issues can be more complex than many people ever imagined. Unfortunately, the decisions about coverage that you — or other drivers — made a long time ago can have a dramatic impact on the resolution of your car accident claim. As soon as you become our client, we begin an in-depth investigation of your case. We obtain the accident report, contact witnesses, gather evidence, and verify your insurance coverage. To ensure that all of your rights are protected, we will need to know about the responsible person’s insurance and your own car and health insurance as well.
When you have been involved in a car accident, your own car insurance may provide the coverage you need to pay your medical bills, your car repairs, and other expenses that you incur. As your attorneys, we will help you explore all compensation options for your injury.
What if the other driver has no insurance? In this situation, the other driver is an “uninsured motorist.” We will determine the amount of uninsured motorist (UM) coverage available under your car insurance policy so that we may seek compensation from your insurer by filing an uninsured motorist claim.
Uninsured and Underinsured Motorist Claims
When a negligent driver is uninsured or underinsured, your own car insurance may protect you if you have uninsured motorist coverage (UM) or underinsured motorist coverage (UIM).
Under Arizona law, you may purchase as much uninsured or underinsured motorist coverage as you do liability insurance. The minimum limits for bodily injury or death in a liability insurance policy are $15,000/$30,000. Unfortunately, 15/30 coverage often is not enough to cover your medical expenses if you are injured by an uninsured or underinsured motorist. When buying your auto insurance, cutting corners on this coverage is never a good idea — in fact, Arizona law requires you to sign a waiver if you reject UM or UIM coverage or choose an amount that is less than your liability coverage.
Collision coverage pays to repair or replace your car if you are in an accident, no matter who is at fault for the collision. If the person who caused the accident does not have insurance, or does not have enough insurance, your own collision coverage will compensate you for the damage to your vehicle.
Medical Payments (Med Pay) Insurance
If you have chosen medical payments coverage as part of your auto insurance plan, it will pay the medical expenses for you and the passengers in your car if you are in an accident.
Will my rates go up if I make a claim on my own insurance? If you did not cause or significantly contribute to the accident, your insurance company is prohibited by Arizona law from increasing the premium on your auto insurance.
Uninsured motorist coverage, underinsured motorist coverage, collision coverage, and medical payments coverage can be confusing. If you were injured in a motor vehicle accident or through another’s negligence, you may need the help of an experienced insurance liability lawyer to ensure that your right to pursue full recovery is protected. Please contact us today to discuss your case in a free consultation.