Being involved in an accident is a stressful experience. Medical bills can pile up, and you expect to be able to file a claim with the other driver’s insurance company to pay for the vehicle damage and your injuries. Arizona requires all drivers to carry liability insurance. However, this does not stop some people from continuing to drive without insurance, and it does not prevent people from entering the state without adequate insurance coverage. If the other driver involved in your accident does not have enough insurance, or has no insurance at all, you will need to file an uninsured or underinsured motorist claim with your own insurance company.
If the other driver has no insurance, you may pursue compensation through an uninsured motorist claim. However, if the other driver has some insurance coverage, but not enough to cover all expenses from the crash, you may file an underinsured motorist claim. This can provide much-needed financial assistance through your own insurance company in situations where the other party’s insurance is not adequate.
Here’s how it works:
Types of Uninsured & Underinsured Motorist Coverage
In general, there are 2 different options for uninsured and underinsured motorist coverage. The first is uninsured/underinsured motorist bodily injury (UMBI) coverage. This coverage provides financial assistance for medical bills, lost wages, pain and suffering, and other injury-related costs. It may also provide coverage if you are involved in a hit-and-run accident. You can purchase this insurance through your own provider, and file a claim to receive compensation after an accident.
The second type of insurance is uninsured/underinsured motorist property damage (UMPD) coverage. This provides financial assistance for vehicle damage and other property-related expenses from the crash. However, this type of coverage is not available to victims of a hit-and-run accident. You must be able to identify the other driver in order to file a UMPD claim with your insurance provider.
The Benefits of Having Uninsured & Underinsured Motorist Coverage
General uninsured and underinsured motorist coverage (UIM) kicks in when the other driver’s coverage stops. For example, if your incur $25,000 worth of damages from the accident, but the other driver’s insurance is capped at $10,000, then you will need to file a UIM claim with your own insurance company for the remaining $15,000. You can buy uninsured and underinsured motorist coverage through your insurance provider to be used in situations where the other driver cannot pay for your expenses. Having UIM coverage can let you receive the compensation you need from your own insurance company. UIM coverage is also available to your family members who are living in your household, including children.
Dedicated Representation for Injured Clients in Phoenix
Rafi Law Group, PLLC provides efficient legal services to clients who have suffered injuries in car accidents. We know you are going through a stressful time. That is why we work hard to handle all the legal issues of your case so you can focus on healing. If you were involved in an accident with an uninsured or underinsured motorist, we can discuss your options and help you make informed legal decisions as you pursue the compensation you deserve.
Contact us today for a free consultation. We also provide Spanish speaking services for your convenience.