Uninsured & Underinsured Motorists
Diligent Car Accident Attorney Serving Phoenix
At Rafi Law Group, PLLC, we provide efficient representation to clients
injured in car accidents. Our
Phoenix car accident lawyer has guided numerous clients to successful legal solutions. We can investigate
the crash, collect necessary evidence, and represent your case to help
maximize the amount of compensation you may receive. If you were involved
in an accident, and the other driver had no insurance or had limited insurance
coverage, our firm can stand by your side and tenaciously uphold your
right to a settlement. Call us today at (623) 300-1151 for a
free initial case evaluation.
Uninsured & Underinsured Motorist Coverage Options
Uninsured motorists are those without any insurance coverage at all. On
the other hand, underinsured motorists have some coverage, but not enough
to pay for all the expenses resulting from the crash. If you are involved
in an accident with an uninsured or underinsured driver, you may have
to file an uninsured or underinsured motorist coverage claim with your
own insurance company.
There are 2 types of uninsured motorist coverage:
- Uninsured/underinsured motorist bodily injury coverage (UMBI)
- Uninsured/underinsured motorist property damage coverage (UMPD)
UMBI provides coverage for any injuries resulting from the crash. This
is also available to victims of hit-and-run accidents. On the other hand,
UMPD provides coverage for vehicle damage and other property damage caused
by the accident. This option is not available to victims of hit-and-run
accidents. In order to file for UMPD coverage, you must provide the identity
of the other driver. UMBI and UMPD coverage is inclusive of all family
members in your household, including your children.
Arizona Laws Regarding Driver Insurance Coverage
In the state of Arizona, all drivers must have liability coverage. However,
this does not stop some people from driving with limited or no insurance.
Furthermore, people can come into the state without having adequate insurance
coverage. If you are involved in an accident with an uninsured or underinsured
driver, UMBI and UMPD coverage can help.
While some states require you to purchase uninsured/underinsured motorist
coverage, others allow it as an option. However, having UMBI and UMPD
coverage is extremely helpful. If you are pursuing compensation for an
uninsured or underinsured motorist accident, our Phoenix car accident
lawyer can help you file the paperwork with your insurance company and
guide you through the legal process.
Dedicated to Meeting Your Legal Needs
Rafi Law Group, PLLC diligently represents clients injured by uninsured
or underinsured drivers. Whatever your situation, we can analyze the facts
of your case and use effective legal strategies. Our Phoenix car accident
attorney fights hard on behalf of injured clients. Insurance companies
may try to avoid paying what you deserve. However, we can build your case,
gather evidence, and tenaciously represent you from start to finish.
Contact Rafi Law Group, PLLC
today to discuss your situation with our experienced legal advocate. We
are available 24/7 for your convenience.