In addition to a negligent party’s insurance, an auto accident injury victim may have coverage of which they are not aware. This is called uninsured motorist coverage, and this coverage pays out when there is an accident involving the insured in which the other party does not have insurance. Many times, an injury victim in Chandler, Arizona is afraid to file under uninsured motorist coverage because they do not know their rights in such cases.
Arizona law does not allow the insurance company to raise people’s insurance rates if they claim under their uninsured motorist coverage. Filing an uninsured motorist claim, known also as a UM claim, is the best way to protect your rights if the responsible party does not have insurance. The reason uninsured motorist coverage exists is to protect you in the event you are seriously hurt in a car accident in which the responsible party does not have insurance.
As Phoenix personal injury attorneys, we often explain that the law requires that everyone carry liability coverage. If someone were at fault in an accident, that person’s liability coverage will pay damages for those injured due to the driver’s negligence. Yet uninsured or underinsured motorist coverage (UM and UIM) will protect those hurt due to someone else’s negligence in a motor vehicle accident when the at fault driver either has no insurance or does not have enough insurance to cover all damages. Not to pursue either uninsured or underinsured motorist coverage after a serious Arizona car accident would make very little sense in such cases.
Now, uninsured or underinsured motorist coverage does not apply to your own vehicle. Take, for example, a situation in which you are injured seriously in a vehicle owned by someone else that has no insurance coverage. In such a case, you may actually have insurance through your own policy that would cover you even if you are in another vehicle. Many policies cover family members or people with whom you live, even though you may not be aware of this coverage.
For more information regarding uninsured or underinsured motorist coverage, please feel free to contact the experienced Chandler AZ car accident lawyers at Breyer Law Offices, P.C. for a free consultation. We will answer your questions so that you can make the best decision for your particular situation.