Uninsured And Underinsured Motorists
What if the Other Driver Doesn’t Have Full Coverage?
One of the most important forms of protection that every motorist should have is insurance coverage specifically designed to provide for accidents caused by uninsured or underinsured motorists. Insurance companies traditionally hesitate to offer this type of coverage, even though it is inexpensive and is part of their portfolio of policies. However, Arizona law requires auto insurers to give a written offer to insured motorists for uninsured motorist coverage (UM) and underinsured motorist coverage (UIM) up to the limit of the person’s liability coverage.
Uninsured Motorists and Underinsured Motorists Put Our Safety at Risk
Arizona has far too many drivers on the road without insurance or without sufficient insurance coverage to account for a serious injury accident. If you or a family member has been seriously injured in a car accident involving an uninsured or underinsured motorist in Arizona, we encourage you to contact us to talk with a lawyer experienced in handling such cases. From our office in Tucson, we serve clients throughout Arizona.
Did Your Auto Insurer Follow the Arizona Statute Requiring a Written Offer of Uninsured and Uninsured Motorist Insurance Coverage?
One avenue that we are likely to pursue is to request that your insurer produce a written offer for UM/UIM motorist coverage with your signature turning down the offer. If your insurer is unable to produce such a document, it may mean that they did not adhere to the Arizona statute requiring them to offer you this coverage, and that you are entitled to such coverage.
Were You Injured as a Pedestrian or Bicyclist?
Remember that your uninsured and underinsured motorist coverage is portable; it follows you whether or not you are driving your own car. If you or anyone in your household was hit on a street corner as a pedestrian or bicyclist, or was injured in someone else’s car, by an uninsured or underinsured motorist, your own auto insurance may kick in to cover your extraordinary medical expenses, lost income, and your pain and suffering (or diminished quality of life). This is all the more reason to make sure that you have uninsured/underinsured motorist insurance coverage.
Victims’ Rights are Our Focus
At the Law Office of Southern Arizona Crime Victim Attorneys, PLLC, victims’ rights come first and foremost. We traditionally pursue and obtain compensation for crime victims and their families. If your insurance company was the wrongdoer by not giving you the required written offer for UM/UIM coverage, we want to know about that, too.
Know your rights after an accidental injury or death in your family involving an uninsured or underinsured motorist in Arizona. Explore civil remedies that you may have as victims and survivors. Contact the Law Office of Southern Arizona Crime Victim Attorneys, PLLC, to schedule a free initial consultation. ¿Habla español? Bienvenido. Are you a deaf person who uses American Sign Language?