Phoenix Uninsured Motorist Lawyer

Navigating the roadways alongside fellow motorists in Phoenix, Arizona comes with the potential peril of encountering uninsured or underinsured drivers, leading to motor vehicle accidents that result in serious injuries.  An experienced Phoenix uninsured motorist lawyer can help you understand your legal right, implement a proven strategy for success, and get you the compensation you deserve.

Statistics on Uninsured Driving in Arizona

According to the Insurance Information Institute (III), approximately 12.6% of all drivers nationwide lack insurance coverage, which includes uninsured motorist coverage. The III estimates that this figure is lower for drivers in Arizona, with approximately 11.8% of vehicle operators in the state being uninsured.

Applying Uninsured Motorist Coverage to Common Auto Accident Scenarios

Whenever you or a family member sustains injuries in an accident involving an uninsured or hit-and-run driver, your uninsured motorist (UM) policy provides coverage. By law, your insurance company is required to offer uninsured and underinsured motorist policy coverage equivalent to your liability coverage.

Drivers in Arizona must carry specified liability coverage, which includes bodily injury coverage for harm or death to one or more individuals per accident. A range of everyday situations can give rise to an uninsured motorist claim, allowing injured drivers to seek compensation:

• Injuries sustained as a passenger in a vehicle
• Injuries while walking or cycling
• Hit-and-run collisions

Hit-and-Run Incidents Leading to Uninsured or Underinsured Motorist Claims

Many hit-and-run accidents involve irresponsible uninsured or underinsured drivers, often influenced by alcohol or drugs. Identifying these offenders might involve forensic analysis, private investigators, and the police, but these efforts can be fruitless since most uninsured drivers lack assets for collection.

In such cases, an attorney may transform a hit-and-run incident from a claim pursuing compensation from the at-fault driver into a personal injury lawsuit for uninsured motorist benefits. To facilitate coverage, injured victims should consult a personal injury lawyer experienced in uninsured or underinsured motorist cases. A knowledgeable attorney can ensure policy terms are upheld to achieve full financial recovery in accidents involving uninsured drivers.

Auto Accident Costs: A Significant Source of Injury and Property Damage

The National Safety Council outlines the lifelong costs of injuries to victims. Given the uniqueness of each injury, precise projections for costs stemming from a catastrophic uninsured car accident are challenging. However, average cost estimates include:

• Motor vehicle fatality: $1,778,000
• Disabling injury: $155,000
• Non-fatal, non-disabling injury: $40,000

Considering Arizona’s minimum liability insurance requirement of $25,000, it is evident that even when drivers possess insurance, coverage might fall far short of the costs linked to an “average” injury-causing accident.

The Claims Process for Uninsured Motorist Incidents

In an accident, your priorities may differ from those of your insurance carrier. Carriers may minimize claims payments and use policy terms to potentially deny an uninsured motorist claim. Failing to provide evidence in support of your claim could lead to its rejection due to non-compliance with policy terms.

When our team takes on your uninsured motorist case, we initiate evidence collection to substantiate your claim. This often involves:

• Acquiring police reports that reveal the other driver’s negligence;
• Obtaining video of the crash or witness statements;
• Examining the language of each driver’s insurance policies; and
• Building a compelling case against all involved insurance companies.

With the necessary evidence gathered, we negotiate with your insurance company to secure a settlement that addresses your uninsured or underinsured motorist claim.

Frequently Asked Questions about Arizona Uninsured Motorist Car Accidents

Below are common inquiries from our clients with uninsured and underinsured motorist claims resulting from car accidents throughout Arizona. If you have additional questions, call us.  We’d be happy to answer your questions.

Can I Pursue a Claim through My Underinsured/Uninsured Motorist Coverage?

Drivers without adequate insurance who are involved in an accident might be liable for damages out of their own pockets. When it’s established that the other driver lacked acceptable coverage for the accident, you could potentially make a claim through your policy.

Does Collision Coverage Address Injuries in Uninsured Motorist Accidents?

Only uninsured coverage on your automobile insurance policy will cover your damages and injuries if an uninsured driver collides with your vehicle.

What Occurs When the Other Party Lacks Insurance?

If you are not responsible for the accident, and the other driver lacks insurance, your uninsured coverage will cover the collision damages up to your insurance policy’s limits. Recovering damages through your uninsured insurance is possible if you’ve purchased the appropriate coverage.

What Happens in Uninsured Truck Driver Accidents?

When an uninsured truck driver causes an accident, various parties could be liable for damages. All potential sources of recovery should be investigated. This includes the liable party’s assets. An at-fault driver without insurance or minimal policy limits might lack significant assets to satisfy a judgment, but their employer might have insurance or collectible assets. Truck accidents may also include claims against brokers, cargo loaders, and maintenance companies. Ultimately, if there is no available insurance, your uninsured driver coverage will address your injuries and damages.

Proven Phoenix Uninsured Motorist Lawyer

A skilled uninsured motorist lawyer or underinsured motorist attorney from Gage Mathers Law Group stands ready to aid you in obtaining compensation from the uninsured or underinsured driver responsible for your injuries. At Gage Mathers Law Group, we comprehend the profound impact that auto accidents involving uninsured drivers can have on victims. Our team of personal injury lawyers is dedicated to representing those who have sustained injuries in collisions with underinsured or uninsured drivers.

Our law firm boasts a proven track record of effectively negotiating numerous insurance claims involving underinsured and uninsured drivers. We have succeeded in recovering compensation to cover medical expenses, pain and suffering, and more for injured drivers.

Contact an Experienced Phoenix, Arizona Uninsured Motorist  Lawyer

Our personal injury lawyers understand the difficulties you are going through and are here to help you. We will fight hard to get you the justice and compensation you deserve.

Contact us today at (602) 258-0646 for a free consultation.

About the Author

Joseph D'Aguanno

Guided by the belief that being a highly skilled specialist in a narrow field is better than being ordinary in everything, Joseph “JD” D’Aguanno leads Arizona’s best personal injury law firm in Phoenix, AZ. Having extensive cross-training in pre-litigation negotiations and trial lawyer skills, with decades of experience, JD strives to provide clients with the most valuable legal services a personal injury lawyer can provide. Under his direction, Gage Mathers Law Group is an award-winning personal injury law firm providing aggressive representation to victims of a car accident, medical malpractice, dog bite, motorcycle accident, and other injurious events. Gage Mathers is trusted by thousands of lawyers and clients throughout the country because of their reputation for getting clients the maximum compensation they deserve.

Years of experience: Over 23 years
Bar number: 020421
Location: Phoenix, AZ
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