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When purchasing car insurance, it’s important to understand your auto policy coverage limits in Phoenix. Many drivers unknowingly carry minimal coverage, which can leave them vulnerable in the event of an accident, especially if the at-fault driver is underinsured or uninsured.
If you’re involved in an accident with such a driver, car accident attorneys in Phoenix like Gage Mathers can help you navigate the process of recovering compensation, even if the other driver doesn’t have enough insurance. Let’s break down Arizona’s insurance requirements and how you can still recover damages if you’re involved in an accident with insufficient coverage.
In Arizona, all drivers must have insurance coverage with the following minimum limits:
These are the legal minimums, but they often fall short if you’re involved in a severe accident, especially if the medical bills or property damage are extensive. Many drivers choose the minimum coverage to save on premiums, but this can be a risky decision. If you are injured in an accident caused by someone with only the minimum required coverage, it may not be enough to cover your expenses.
To protect yourself in case of an accident with an underinsured or uninsured driver, it’s essential to add underinsured and uninsured motorist coverage to your insurance policy. This policy add-on ensures your insurance company will cover the damages that the other driver’s insurance cannot pay.
While adding this coverage will increase your premium, it’s one of the most important steps you can take to protect yourself financially in the event of an accident. With this coverage, you’ll have a backup plan in case the at-fault driver either doesn’t have enough insurance or no insurance at all.
If the at-fault driver’s insurance limits are exhausted, they can be held personally liable for the remaining damages. However, collecting these damages may be difficult if the driver doesn’t have the financial resources to pay. This is where a skilled car accident attorney in Phoenix can step in to help.
If you’ve been involved in an accident with an underinsured motorist or are looking at legal options for denied accident claims in Phoenix, a lawyer can help in several ways:
Car accidents can be devastating, and if the at-fault driver doesn’t have enough insurance, it can feel like an uphill battle. Car accident attorneys in Phoenix, like Gage Mathers, have extensive experience in handling underinsured and uninsured motorist claims. To date, we’ve recovered more than $325 million for our clients, helping them get the compensation they deserve after an accident.
At Gage Mathers, we don’t just rely on the other driver’s insurance policy to cover your damages. We investigate every potential source of recovery to ensure you’re fully compensated. Whether it’s pursuing a claim against other responsible parties or fighting with your own insurer, we’ll work tirelessly to get you the maximum possible payout.
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