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Arizona Uninsured and Underinsured Motorist Coverage

Experienced Arizona Insurance Law Lawyer

Insurance policies are complex and may apply to a auto accidents, motorcycle accidents, pedestrian accidents, bicycle accident, truck accident, accident caused by a drunk driver, and a fatal accidents in unique and different ways. If you have suffered motor vehicle accident injuries, you need to consult with an Arizona lawyer who knows and understands insurance law, inside and out.

Understanding Arizona Uninsured and Underinsured Motorist Coverage

Uninsured motorist (UM) coverage protects you or passengers in your vehicle for bodily injury you or your passengers sustain in an accident involving a driver who has no liability coverage. With “Uninsured Motor Vehicle Coverage,” the insurance company will pay compensatory damages for bodily injury resulting from the owner or driver of the uninsured vehicle, up to the limit of your insurance policy.

Underinsured motorist (UIM) coverage protects you or passengers in your vehicle for bodily injury you or your passengers sustain in an accident involving a driver who has insufficient insurance to cover the injuries of you or your passengers. With “Underinsured Motor Vehicle Coverage,” the insurance company will pay compensatory damages for bodily injury resulting from the owner or driver of the uninsured vehicle, up to the limit of your insurance policy.

These types of coverage are for your medical bills, loss of earnings, pain , suffering, and other personal injury damages. If you suffer injuries as a result of a negligent motorist who lacks liability insurance, including a hit-and-run driver, or a motorist who has inadequate liability insurance to compensate you for all of your damages. Also, uninsured and underinsured motorist coverage applies even when you are not in your vehicle as long as it was a motor vehicle that caused your injury (for example, a pedestrian or bicycle accident involving a motor vehicle). And, all of your family members who reside with you in your household may be covered, including minor children.

With the current economic conditions, people are cutting costs wherever they can. As a result, I am finding that many people are trying to save money on their automobile insurance premiums by either reducing or eliminating their uninsured and underinsured motorist coverage. This is a terrible mistake for the many Arizona drivers who have become accident injury victims of both uninsured and underinsured motorists.

A very large percentage of drivers in Arizona do not have any automobile insurance. And, in an effort to save money, many people are continuing to drop their automobile insurance coverage. An even larger percentage of drivers carry minimum or nearly minimum liability coverage. Again, to save money, many more people are lowering the amount of insurance that they carry. As an attorney who assists injury victims following a motor vehicle accident, I have found this to be a problem because many of these innocent victims of crashes are left either without any compensation or without being fully compensated for their injuries and losses. It is, therefore, important for every Arizona motorist to purchase an adequate amount of uninsured and underinsured motorist coverage.

I have been representing accident injury victims against negligent drivers and their insurance companies for more than twenty years. So, it may sound strange for me to advise people to pay insurance companies even more money by buying more insurance while insurance companies consistently fight legitimate claims, and then pay out as little as they can get away with. But, I have seen far too many cases where people have been tragically injured and there was little or no insurance coverage to protect them. Having uninsured and underinsured motorist protection is vitally important because that is the only way that you and your loved ones are protected.

It is important to maintain uninsured and underinsured motorist coverage, and to maintain the amount that will cover accident costs.  Remember, in many cases, the only recovery in a serious automobile accident in Arizona will come from the uninsured and underinsured motorist coverage.

Finally, if you make a claim for uninsured or underinsured motorist benefits, your insurance premiums WILL NOT INCREASE. No automobile insurance company is allowed to increase the motor vehicle insurance premium of an insured as a result of an accident that was not caused or significantly contributed to by the actions of the insured. So, an increase in your automobile insurance premium based on a claim can only occur if you caused or were substantially “at-fault” for the accident.

Note: If you were injured in a motor vehicle related accident within the past six (6) years, and my law firm DID NOT represent you in that claim, you may feel free to contact me for information to determine if you are entitled to any additional compensation for your injuries.

Many Arizona motorcycle owners choose to waive the option of uninsured motorist and underinsured motorist insurance. Unfortunately, many of these motorcyclists then get involved in accidents with people who do not have insurance or people with minimum policy coverage.

Uninsured and underinsured motorist insurance protects you and your family from the consequences of accidents caused by people who don’t carry insurance or don’t carry enough insurance to compensate you. We can help you understand the legal implications of this kind of insurance.