Uninsured Underinsured Motorists

Phoenix Uninsured Motorist Attorneys

Uninsured & Underinsured Motorist Claims in Arizona

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.

The car accident laws in Arizona protect you even if you get into an accident with an uninsured or underinsured driver. As a traditional fault state, car accident victims in Arizona can potentially go after the at-fault driver's personal assets if they don't have the proper insurance coverage.

On This Page

Call us today at (623) 207-1555 for a free initial case evaluation.

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 accident injury lawyer can help you file the paperwork with your insurance company and guide you through the legal process.

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.

Types of Uninsured & Underinsured Motorist Coverage

In general, there are 2 different options for uninsured and underinsured motorist coverage.

  1. Uninsured/underinsured motorist bodily injury coverage (UMBI)
  2. Uninsured/underinsured motorist property damage coverage (UMPD)


UMBI provides coverage for any injuries resulting from the crash. This coverage provides financial assistance for medical bills, lost wages, pain and suffering, and other injury-related costs. This is also available to victims of hit-and-run accidents. 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. 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.

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.

Diligent Accident Law Firm Fighting on Your Side

At Rafi Law Group, 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.

Dedicated to Meeting Your Legal Needs

Rafi Law Group 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 accident injury 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 today to discuss your situation with our experienced legal advocate. We are available 24/7 for your convenience.