What Happens if the At-Fault Driver in Arizona is Uninsured or Underinsured?

Car accidents are stressful enough—but what if the driver who caused the crash doesn’t have enough insurance, or worse, no insurance at all?  Unfortunately, this scenario is more common in Arizona than many realize.  According to the Insurance Information Institute, thousands of drivers in Arizona are either uninsured or underinsured.  So what happens if one of them causes your accident?

Arizona’s Minimum Insurance Requirements

By law, Arizona drivers must carry at least:

• $25,000 for bodily injury per person
• $50,000 for bodily injury per accident
• $15,000 for property damage

While these amounts may cover minor fender-benders, they rarely cover serious injuries, medical bills, or lost wages after a major crash.

The Risks of Uninsured and Underinsured Drivers

• Uninsured Driver (No Coverage): You may be stuck trying to recover damages directly from the driver, which is difficult if they have no assets.
• Underinsured Driver (Not Enough Coverage): The driver’s insurance might pay something, but it often won’t be enough to cover your full losses.

How Uninsured/Underinsured Motorist (UM/UIM) Coverage Protects You

Arizona does not require UM/UIM coverage, but insurance companies must offer it when you buy a policy.  If you decline it, you must do so in writing.

If you have UM/UIM coverage:

• UM Coverage: Steps in when the other driver has no insurance at all.
• UIM Coverage: Kicks in when the at-fault driver’s insurance doesn’t cover your full damages.

This coverage can help with:

• Medical expenses
• Lost income
• Pain and suffering

Why Legal Help is Essential

These cases are complex.  Insurance companies often try to deny or minimize UM/UIM claims—even when you’ve been paying premiums for years.  An experienced Arizona personal injury attorney can:

• Review all possible insurance coverages
• Negotiate with your insurer
• File suit if necessary to pursue fair compensation

Conclusion

Being hit by an uninsured or underinsured driver is frustrating, but you’re not without options.  With the right legal strategy, you may still recover the compensation you need to cover medical bills, lost wages, and other damages.

If you’ve been injured in Arizona by an uninsured or underinsured driver, call Fountain Hills Law Firm for a free consultation.  We’ll help you understand your options and fight for the recovery you deserve.