How Can I Make an Insurance Claim if the Other Diver Did Not Have Insurance?

Many auto accident victims may have insurance coverage that they are unaware of called uninsured motorist coverage. This is coverage that drivers adopt in case they are hurt by somebody who does not have insurance. Many clients of Phoenix personal injury lawyers are afraid to make uninsured motorist coverage claims because their rights have not been fully explained to them.

First, insurance companies are not allowed by Arizona law to raise their rates, so they offer an uninsured motorist coverage claim. Second, uninsured motorist coverage claims (sometimes called UM claims) are the very best way to protect your personal rights if a driver who causes an accident and does not have insurance. The most important reason that you elect to pay for uninsured motorist coverage is to protect you in case you are seriously hurt.

We often point out the fact that the liability insurance coverage everybody is required by law to have a way to protect everybody else in the world in case you are at fault in an accident. However, uninsured and underinsured motorist coverage (UM and UIM) protects you, your family, and your loved ones in case you or somebody else you love is hurt as a result of somebody else’s negligence. Failing to pursue an uninsured or underinsured motorist by filing a claim– after paying for the UM or UIM policy– makes very little sense after a serious Arizona car accident.

On top of that, uninsured and underinsured coverage does not always apply only to the vehicle you own and drive regularly. Thus if you are a passenger in an uninsured driver’s car and suffer a serious injury, you may have insurance through your own policy that covers you even though you were riding in a different vehicle. In fact, under many policies even a loved one or family member that you live with may have insurance that covers you even though neither you nor your family members were aware of it.

If you have any questions regarding uninsured or underinsured motorist coverage after being injured by a negligent driver in an auto accident, please contact the skilled Peoria auto accident attorneys at Breyer Law Offices, P.C. We have dedicated many years to helping auto accident victims. Contact us today for a free, no-obligation consultation.

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