Understanding Auto Policy Coverage Limits in Phoenix

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.

Arizona’s Minimum Coverage Requirements

In Arizona, all drivers must have insurance coverage with the following minimum limits:

• $25,000 for personal injury per person
• $50,000 for injury to two or more occupants
• $15,000 for property damage

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.

Underinsured and Uninsured Motorist Coverage

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.

What Happens When Coverage Isn’t Enough?

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.

How an Attorney Can 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:

• Identifying other liable parties: If the driver was employed at the time of the accident, their employer may be liable for the damages. An attorney can investigate and determine if there are other parties who can be held responsible for your injuries.
• Pursuing claims against government entities: If poor road conditions, lack of signage, or inadequate lighting contributed to the accident, you may be able to file a claim against a local or state government agency responsible for maintaining the roads.
• Working with your own insurance: If the at-fault driver’s coverage isn’t enough, your own car or health insurance may help cover the remaining costs. A lawyer can help you navigate your policy to ensure you get the maximum coverage available.
• Determining the value of accident claims: Car accident lawyers like Gage Mathers are experts at assessing the total value of your accident claim. We take into account your medical bills, lost wages, pain and suffering, and other damages to ensure you’re seeking the full compensation you’re entitled to.

Why Choose Gage Mathers?

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 $275 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.

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 24 years
Bar number: 020421
Location: Phoenix, AZ
JD’s Profile