Arizona's Uninsured Driver Problem
A significant share of Arizona drivers carry no insurance, and many more carry only the state minimum, far less than a serious injury costs. When you are hit by one of these drivers, the at-fault party's coverage may not begin to cover your medical bills and lost income, leaving you to look to your own policy for protection.
How UM and UIM Coverage Works
Uninsured motorist (UM) coverage applies when the at-fault driver has no insurance or flees the scene. Underinsured motorist (UIM) coverage applies when the at-fault driver has some insurance, but not enough to cover your damages. Arizona requires insurers to offer these coverages, and they can be stacked in some situations to increase the available limits. Many people do not realize how much protection they actually have.
Your Own Insurer Is Not on Your Side
A UM/UIM claim is filed with your own insurance company, but that does not mean they will treat you fairly. Insurers routinely dispute the value of these claims and delay payment. An attorney levels the playing field, documents your damages, and holds your insurer to its obligations, including Arizona's duty of good faith.
Protecting a UM/UIM Claim
Report the crash to your insurer promptly, but be cautious about recorded statements and quick settlement offers. Preserve all documentation of your injuries and losses. Contact us for a free review so an attorney can identify all available coverage, including stacking opportunities, and pursue the full value of your claim.
Injured in Arizona? Get a free, confidential case review today. There's no obligation, and you pay no fee unless you win. Call 973-566-5599.
Frequently Asked Questions
Your uninsured motorist coverage may pay for your injuries. Arizona requires insurers to offer this coverage, and many drivers carry more than they realize.
In some situations, Arizona allows you to combine UM/UIM limits across multiple vehicles or policies, increasing the coverage available to you.
Filing a claim for a crash that was not your fault should not be treated as an at-fault claim. An attorney can help if your insurer acts in bad faith.
This page is for general informational purposes only and is not legal advice. For guidance on your specific situation, consult a licensed Arizona attorney.