Arizona car accident victims have a bigger problem to contend with than ever before. According to a new study, almost a quarter of all drivers in Arizona do not have any car insurance. To make matters worse, a recent study shows that there is an increase in the number of people who are dropping their insurance and, for those people who are not dropping insurance entirely because of the terrible economy, there is an increased number of people who are decreasing the amount of insurance that they carry. As a Phoenix personal injury lawyer helping injury victims in motor vehicle accidents throughout Arizona, this is a huge red flag and warning to all Arizona drivers.
It is vital for everybody to purchase adequate amounts of Arizona underinsured motorist coverage and uninsured motorist coverage policies. If more than 25 percent of all drivers do not have insurance, that means that likely more than 25 percent of all motor vehicle accidents are caused by people without insurance. As lawyers helping people from Scottsdale, Arizona, to Tempe, Arizona, to Globe, Arizona, to Mesa, Arizona, and throughout the East Valley and the West Valley, we have seen far to many people who have been tragically injured but did not have enough insurance coverage to protect them.
If somebody suffers a serious personal injury in Arizona and the other driver does not have insurance, their best chance of getting any recovery for their lost wages, their medical bills, their loss of enjoinder of life, their pain, their disability, and all their other injuries comes from having purchased underinsured motorist coverage before the accident happened. In many cases, the only recovery in a serious automobile accident in Arizona will come from the uninsured motorist coverage policy. Also, with people decreasing the amount of coverage, underinsured motorist coverage is equally vital.
Moreover, the cost of underinsured motorist coverage and uninsured motorist coverage is relatively small. Less than 10 percent of the cost of the rest of the policy is usually added by simply adding these vital features.
Sorting out which insurance policies to purchase, and what to do following a serious injury or wrongful death usually requires an experienced personal injury lawyer to help the personal injury victim sort through the process. We have seen too many occasions where the insurance agent provided bad information to the family of somebody who had lost somebody in a wrongful death accident in Arizona.
With nearly a quarter of drivers in Arizona having no insurance, and more every day dropping their insurance or lowering the amount of insurance they have, it is vital that Arizona residents immediately purchase underinsured and uninsured motorist coverage up to their insurance policy limits.
Perhaps it sounds strange to many people that personal injury lawyers who go against insurance companies for a living, who fight for compensation for personal injury victims following automobile accidents in Arizona, would be encouraging people to buy more insurance. However, although the insurance companies are often our adversaries, we also understand the vital importance that insurance can play in protecting injury victims in Arizona.