In our last blog post, we discussed some options available to someone who has been injured in a car accident by a driver who does not have insurance. We will now expand on that topic in discussing how uninsured motorist insurance comes into play.
In addition to insurance from the negligent driver, many of our clients are unaware of insurance policies they have that may help cover their costs for medical bills and lost wages. This kind of coverage is called uninsured motorist coverage and it provides protection in case you’re in a car accident with someone who has no insurance at all.
Many times, we see clients who are wary of making uninsured motorist claims because their rights under this coverage haven’t been properly explained to them. For instance, they oftentimes think that once they make a claim, their premiums will rise. This is not true. In fact, under Arizona law, insurance companies are not allowed to raise insurance rates when a customer makes an uninsured motorist claim.
In addition, most clients don’t know that filing an uninsured motorist claim (sometimes called UM claims) is the best way to protect their rights. The reason that people purchase this kind of coverage in the first place is for exactly this type of situation. What’s more is that if you’re in a friend’s car and are injured in an accident caused by someone without insurance, your uninsured motorist coverage should be able to provide protection and compensation, depending on your policy.
Some people think that their liability coverage will protect them in the case of a serious injury – and it will, when someone else is injured. Liability coverage protects other people who are injured due to an accident you caused. It does not protect you or your loved ones.
If you’ve been involved in an accident caused by someone without insurance and you’re suffering from serious injuries, it’s time to contact a top Mesa personal injury lawyer. Here at Breyer Law Offices, we understand how to find insurance policies – even when the negligent driver says they don’t have one. We also can help you determine if an uninsured or underinsured motorist coverage claim is available. Call us today to schedule a free, no obligation consultation.