Uninsured/Underinsured Car Accidents in Phoenix

In a fault-based state, every driver is required to carry a specific amount of liability insurance coverage in case they cause an accident.

Unfortunately, however, not all drivers have insurance. When motorists are injured in uninsured/underinsured car accidents in Phoenix, they can turn to their own uncovered driver coverage, which many carry.

If you need help with a claim involving an underinsured or uninsured motorist, consult with a seasoned car accident attorney at Elmm Law Group.

Understanding Uninsured and Underinsured Motorist Coverage

All drivers in Phoenix are required to carry liability insurance coverage in case of a car accident, and your insurance company must offer you both uninsured motorist and underinsured motorist coverage, often referred to as UM/UIM.

While you are not required to carry UM/UIM, you cannot deny this coverage unless you do so in writing. In other words, many drivers likely have UM/UIM coverage. It can also make a difference in your overall recovery if another driver causes you to be injured in a traffic collision.

A car crash can cause very serious physical, financial, and emotional losses. These are called legal damages, and you can seek compensation for them by filing a car accident claim with the negligent driver’s insurance provider.

If the at-fault driver does not carry enough liability insurance to adequately address your losses, your underinsured motorist (UIM) coverage applies. If the driver does not carry any liability insurance, your uninsured motorist (UM) coverage will apply.

What Losses Can You Recover Through UM/UIM?

UM/UIM coverage in the state is comprehensive, which means it will address your full range of covered losses up to your policy limits.

Property Damage to Your Car

You can seek compensation for the property damage to your car and to anything inside your car that was damaged in the accident.

Medical Costs

In the wake of an auto accident, you are likely looking at mounting medical bills. If your injuries are serious, you may experience future healthcare needs, complications, and secondary health concerns. These can greatly increase this category of damage.

Accepting a settlement before the full scope of your medical needs is established can leave you with too little compensation. Work closely with a trusted motor vehicle collision lawyer from the start.

Lost Income

A serious injury can keep you out of work for a significant amount of time, and you are likely to experience lost earnings. If your ability to earn and to continue advancing your career is affected, these losses can be immense.

Physical and Emotional Pain and Suffering

Finally, there is your physical and emotional pain and suffering to consider. This loss can be difficult to attach a value to, but it should not be ignored. The psychological impact of being injured by someone else’s negligence can be profound.

Stacking UIM

While some states do not allow stacking of UIM coverage, Arizona is not among them. Often, UIM coverage in this state can be stacked across policies or households, providing greater coverage for you. For example, if you and your spouse have separate insurance policies, the UIM coverage from both could be combined for a greater total. Further, you may be able to combine coverage if you have more than one vehicle addressed on the same policy.

The losses you suffer in a Phoenix car accident that was caused by someone else’s carelessness can be high, especially if they are underinsured. Stacking can help ensure that your settlement will cover all your losses.

Contact a Lawyer With Experience Handling Uninsured/Underinsured Auto Crashes in Phoenix

At Elmm Law Group, we have the experience and legal insight to guide your claim toward the best possible outcome. If you have been involved in an uninsured/underinsured car accident in Phoenix, we are here to help you secure the compensation you deserve. Reach out for more information by contacting us online or by phone today.