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Everything You Need to Know About Uninsured Motorist Coverage in Arizona

When you are in an accident due to another driver’s negligent driving, you are entitled to file a claim with their insurance company for damages. This compensation is there to help cover the cost of your losses, including medical bills and property damage. When a serious accident occurs and the at-fault driver is uninsured or underinsured, what do you do? 

Facing substantial losses when the responsible party does not have an adequate insurance policy puts you at risk of having to cover the fees on your own. With the help of an attorney from the experienced and dedicated team at Feller & Wendt, a solution can be found. We are determined to help get you the compensation you deserve while ensuring your future is protected with the necessary coverage. 

Understanding Uninsured Motorist Coverage

Underinsured motorist coverage is there to take over when the at-fault driver’s insurance is inadequate to cover the damages they have caused. This type of coverage is particularly valuable because it protects you financially in the event the other party is not fully equipped to do so. It’s an additional layer of security to ensure you are not left bearing the financial burden of an accident you did not cause. Arizona currently allows for underinsured coverage to be optional, so understanding its benefits and considering it as part of your insurance policy is a proactive step toward comprehensive protection.

When you’re involved in an accident with an underinsured driver, your own insurance company will cover the excess costs up to the limit of your underinsured motorist coverage. This is why it’s important to carefully choose the amount of coverage you purchase. Ideally, this should reflect your potential needs in such situations. By fully understanding and wisely investing in underinsured motorist coverage with the help of a knowledgeable attorney, you’re taking a proactive step in safeguarding your financial well-being in the face of unforeseen road incidents.

Arizona’s Uninsured Motorist Coverage Requirements

In Arizona, drivers are strongly encouraged, though not legally required, to carry uninsured motorist coverage as part of their auto insurance policies. This coverage provides protection in situations where you are involved in an accident with a driver who has no insurance. While Arizona law mandates all drivers to have liability insurance, the reality of encountering uninsured drivers on the road remains a significant risk. 

Uninsured motorist coverage ensures that you and your passengers are covered for medical expenses, lost wages, and other damages, even when the at-fault driver cannot provide compensation.

How a Dedicated Attorney Can Help

With an attorney’s expertise, you can focus on your recovery, knowing that your financial interests are being vigorously defended. Our team will help you navigate the complexities of insurance claims to ensure you are recovering adequate compensation. We understand the intricacies and complex legal nature of underinsured motorist coverage and are prepared to negotiate effectively with your insurance company. 

Additionally, while you focus on recovering from your accident, we will help you gather and assess evidence to strengthen your claim, handle all your legal paperwork, and even represent you in court if necessary. We understand the importance of a worthy settlement, which is why we fight so hard for you to achieve exactly that. 

Schedule Your Free Consultation With a Car Accident Lawyer Today

While meeting the minimum requirements for insurance purposes is legally sufficient, it will more than likely not protect you from an unfavorable outcome after an accident due to another driver’s recklessness. Increasing your uninsured motorist coverage with the help of an attorney from Feller & Wendt can help safeguard you from financial hardships and ease the stress associated with your accident.

To see how we can best be of service to you today, please don’t hesitate to reach out to our office directly at (408) 702-2277 or through our contact form.

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