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Can You Pursue a Personal Injury Claim if the Responsible Party Didn’t Have Insurance in Arizona?

Although car accidents can be overwhelming and distressing under the most typical circumstances, they can become even more complicated when the driver who hit you is uninsured. Car accident victims often sustain significant injuries and other losses, and many worry they won’t be able to recover damages if the other driver is uninsured. Fortunately, you may have grounds for legal recourse through an uninsured motorist insurance claim or a personal injury lawsuit. 

A skilled car accident attorney can review your case and help you determine the best path forward to pursue justice. At Feller & Wendt, our attorneys are committed to helping you recover compensation for your physical, emotional, and financial losses. We understand how much destruction a car accident can cause and aim to support you through this challenging time. We have extensive experience securing the maximum compensation for our clients in Arizona and will fight tirelessly for the best possible outcome on your behalf. 

How Can Uninsured and Underinsured Insurance Coverage Protect Me After an Accident?

The most straightforward way to protect yourself from drivers without insurance is to purchase Uninsured/Underinsured Motorist (UI/UIM) coverage on your own policy. Arizona does not require uninsured motorist coverage in its insurance minimums, so it is in your best interests to ask your insurance company about adding it to your policy. Without this type of coverage, pursuing compensation can be challenging as many individuals do not have the resources to compensate you out of pocket. 

 UI/UIM insurance is designed to ensure you can recover damages for your losses if you are in an accident with an uninsured driver or a driver who does not have sufficient coverage to compensate you. To recover compensation for your injuries and other losses, you can make a claim against your own insurance instead of the negligent driver’s. However, you must provide extensive documentation and proof of your damages. 

Your lawyer can help you with this process and ensure your claim is submitted correctly and on time. They can also evaluate the insurance company’s initial settlement offer and advocate on your behalf to ensure you are compensated fairly for the total scope of your losses. 

Types of Uninsured Motorist Coverage in Arizona

In most cases, there are two different options drivers have for UM/UIM coverage in Arizona:

  • Uninsured/underinsured motorist bodily injury coverage (UMBI): This type of coverage compensates victims for medical bills, lost wages, pain and suffering, and other expenses related to their injuries. It is also available to victims of hit-and-run accidents.
  • Uninsured/underinsured motorist property damage coverage (UMPD): UMPD covers vehicle damage and other property damage caused by the crash. This option is unavailable to victims of hit-and-run accidents, as you must provide your insurance company with the other driver’s identity.

The talented attorneys at Feller & Wendt will evaluate every detail of your claim and help you determine the best path forward to recover compensation for your accident-related damages. 

Discuss Your Case With a Knowledgeable Car Accident Attorney at Feller & Wendt

If an uninsured motorist has injured you, an experienced attorney can help you pursue compensation for the losses you have suffered. At Feller & Wendt, our attorneys have many years of experience helping accident victims in Arizona recover damages for the full extent of their injuries and other losses. We understand how confusing insurance claims can be in the wake of an accident and can take this stress off your shoulders as we fight for you. 

To schedule a free consultation and discuss your case with a seasoned attorney, call us today at (408) 702-2277 or complete our contact form.

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