If you or your loved ones have been in an auto accident caused by a negligent driver, you may expect the other driver’s insurance company to pay for your medical costs, lost wages, pain and suffering, and property damages without any hassle. However, if the other driver does not have insurance, or has only minimal insurance, it is unlikely that they will be able to pay for medical expenses, property damages, and pain and suffering.
In Arizona, every driver must carry minimum levels of coverage equal to the following:
These levels of insurance typically will be wholly inadequate to cover the damages when significant property and bodily injury are suffered.
In order to mitigate this risk, we suggest that all drivers carry significant uninsured and underinsured coverage. These benefits are designed to help compensate drivers in the event that they or their passengers are injured by a driver who carries no or an insufficient level of insurance to cover the damages sustained.
Uninsured motorist (UM) coverage is an option you can purchase from your auto insurance company to provide compensation to you, your family, and your passengers in case of injuries in an auto accident caused by a negligent driver who does not have insurance or by a hit and run driver. If you have UM coverage, we can help you recover compensation from your insurance company for you medical bills and other covered damages.
An additional option is underinsured motorist (UIM) coverage, which provides compensation if a negligent driver has insurance, but not enough to cover the full costs of your injuries.
Because insurance companies are in business to make a profit, in most cases they do not willingly come forth with the amount that they owe under uninsured and underinsured policies. Instead, it often takes demands for legal action in order to get insurance companies to pay what they owe. In many cases, they will try to delay paying legitimate claims as long as possible.
As experienced injury lawyers, we understand what is usually required to get insurance companies to pay what they owe. If they refuse to pay in a timely fashion without good reason, if we believe that it is appropriate we can file a case of insurance bad faith, which is a separate legal action designed to punish insurance companies.
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