What is the difference between uninsured and under-insured motorist coverage?

What Is The Difference Between Uninsured and Underinsured Motorist Coverage in Arizona?

Car accidents are stressful and can lead to significant financial burdens, especially when the at-fault driver doesn’t have adequate insurance. In Arizona, it’s crucial to understand how uninsured and underinsured motorist coverage works to protect yourself in these situations.

What Is Uninsured Motorist Coverage?

Uninsured motorist (UM) coverage is designed to protect you if you’re involved in an accident with a driver who has no insurance. Although Arizona law requires drivers to carry at least $25,000 in liability insurance per person and $50,000 per collision, not everyone follows this law. If you’re in an accident with an uninsured driver, UM coverage ensures that you still have a way to recover damages for your injuries.

What Is Underinsured Motorist Coverage?

Underinsured motorist (UIM) coverage comes into play when the at-fault driver has some insurance, but not enough to cover all of your damages. For instance, if the driver who hit you has the minimum required coverage of $25,000 per person and $50,000 per collision, but your medical bills exceed that amount, UIM coverage allows you to use your own insurance to cover the remaining costs.

Why You Need UM and UIM Coverage

While $25,000 might sound like a significant amount of money, it can quickly be exhausted if you’re seriously injured and require extensive medical care. Hospital bills can add up fast, especially if you need surgery, physical therapy, or long-term treatment. UM and UIM coverage provide an additional layer of protection, ensuring that you’re not left with insurmountable debt after an accident.

In Arizona, having UM and UIM coverage is a smart way to safeguard yourself against the potential financial fallout of being hit by an uninsured or underinsured driver. This coverage can be a lifesaver, covering costs that the at-fault driver’s insurance won’t.

How Bache & Lynch Can Help

At Bache & Lynch, we understand the complexities of insurance claims, especially when dealing with uninsured or underinsured motorists. Our experienced team can work with you to help you receive the compensation you deserve, even when the other driver’s insurance falls short.

Protect Yourself on the Road

Don’t leave your financial well-being to chance. Make sure you’re fully protected with uninsured and underinsured motorist coverage, and if you’ve been in an accident, contact Bache & Lynch. We’re here to help you understand your options and secure the compensation you need to recover.

If you’ve been in an accident with an uninsured or underinsured driver, contact Bache & Lynch today for a free consultation. Let us help you get the compensation you deserve.