Helping You Receive the Immediate Benefits to Which You May Be Entitled
Uninsured, Underinsured, and Disability Benefits
If you’ve been injured, prior to receiving a settlement or jury award you may be entitled to compensation from uninsured, underinsured, or disability benefits policies.
If Your Injuries Resulted from a Vehicle Crash:
- Uninsured motor vehicle coverage. Uninsured motor vehicle coverage is designed to protect drivers and their passengers if they are injured by an uninsured driver. In Arizona, if you have obtained uninsured motor vehicle coverage, you are entitled to benefits including:
- The cost for all medical care reasonably required to treat your condition
- Damages to property, such as the cost of your vehicle based upon its value on the day of the accident
- Certain compensation for lost wages (note – the amount payable will usually be significantly less than what you normally earn).
- Underinsured motor vehicle coverage. Underinsured motor vehicle coverage is designed to protect drivers and their passengers in cases where the driver causing injury does not have sufficient liability insurance to pay for all damages caused. In Arizona, drivers are only required to have the following coverage:
- $15,000 bodily-injury liability for one person and $30,000 for two or more people.
- $10,000 property-damage liability.
In accidents involving serious injury or death, coverage in these amounts is far too little to provide full compensation for the damages caused. Additionally, when serious damages or death results, many people have little or no assets from which to collect (and thus such people may be considered “judgment proof”).
Uninsured and underinsured motor vehicle coverage is intended to step in these circumstances and provide the injured with compensation for damages between the amount collected from the responsible driver’s policy and the full damages suffered, up to the uninsured or underinsured policy limits.
What Happens if my Insurance Company Won’t Pay Me What They Owe?
As Arizona insurance lawyers, if your insurance company fails to pay you what they owe under these or any other policies, we will bring a claim against them for full compensation owed under your policies. Additionally, if your insurance company acted wrongly and egregiously by failing to pay you what they owe, you may also be entitled to bring an action against the insurance company for bad faith, which is an additional claim based upon punishing insurance companies for deliberately wrongful conduct.
Disability coverage is designed to replace part of lost wages that arise if a person becomes unable to work due to injury or a medical condition.
- Short-term Disability Insurance. If you have short-term disability insurance, either purchased on your own or by your employer, we can help you make a claim for benefits. Typically there is a waiting period, often 30 days, before benefits are payable. Benefits usually last for a period of a year or less.
- Long-Term Disability Insurance. Long-term disability insurance is intended to apply when short-term disability benefits have been used up. Typically long-term disability lasts from two to five years.
In all of the above cases, the total benefits payable are subject to the terms of the policy limits, and other important terms and conditions may apply.
Insurance Required by Commercial Truck Drivers
Federal regulations require interstate commercial truck drivers subject to the federal regulations to maintain comprehensive general liability in an amount equal to $750,000 for bodily injury.
We Help Injured Clients and Their Families Obtain All Compensation to Which They Are Entitled
If you’ve been seriously injured, we know you will have many questions about the immediate benefits to which you may be entitled. Our team of experienced personal injury lawyers will carefully explain the sources of these benefits that may be applicable, and can help you seek these benefits.