What to Do if You are Hit by an Uninsured or Underinsured Driver in Arizona

Car accident on a highway

In a perfect world, everyone would obey the law and carry the right type of car insurance. Unfortunately, many Phoenix and Chandler drivers don’t have enough insurance (or worse, they don’t have any insurance at all). So what are you supposed to do if you’re involved in a car accident with an uninsured or underinsured driver on Arizona roadways?

Accidents and Insurance

The fact is that we all have to maintain auto insurance on our vehicles. However, some people don’t. In fact, as many as 20 percent of Arizona drivers are uninsured. That figure doesn’t account for the number of people who are underinsured. The difference:

  • Uninsured motorists have no insurance coverage on their vehicle.
  • Underinsured motorists don’t have adequate insurance coverage; they have some insurance coverage, usually the state’s required minimum amount, but that’s not enough to cover real-life damages.

Nationwide, about 14 percent of motorists are uninsured; in Arizona, our uninsured rate is significantly higher. If you’re in an accident, there’s a one-in-five chance that the person who hit you doesn’t have any auto insurance at all.

The Challenge of Filing a Lawsuit Against an Uninsured Motorist

If the person responsible for your auto accident doesn’t have any auto insurance, you’re probably wondering if anyone can help pay your medical bills, cover your lost wages or compensate you from the trauma, suffering and sometimes permanent injuries you’ve sustained.

Your own insurance company may be the company who ends up compensating you. However, these types of cases can get tricky – especially if your insurance company doesn’t want to pay up. It’s usually best to work with a local personal injury lawyer who can help you get the compensation you deserve. Don’t risk dealing with your insurance company yourself; instead, leave it to your attorney. She’ll be able to negotiate in your best interests so that you can focus on what’s most important… recovering from the trauma of your car accident.


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