3 Strong Options if You’re Hit by an Uninsured Motorist in Arizona

Personal Injury Report
In Arizona, having a minimum liability insurance policy is required of all drivers, providing at least $25,000 in bodily injury coverage per person and up to $50,000 total per accident as well as $15,000 in property damage coverage. However, the reality of the situation is grim: far too many people are on the roads without any form of insurance. In fact, according to a recent survey, 11.8 percent of drivers in Arizona are uninsured–ranking the state tenth nationwide for this statistic. Rather than shouldering the expense of a catastrophic accident on your own, you should pursue reimbursement from whoever is responsible. If it was an uninsured motorist who caused the accident, you need to think about other options. In such cases, you could have sustained medical bills and lost wages amounting to tens of thousands of dollars. In the case of a hit-and-run or being hit by an uninsured motorist, there are steps to take. It is possible that some drivers don’t have enough insurance coverage to cover the resulting property damage and injuries. Additionally, some motorists opt not to purchase automobile insurance when they are on the road. The following are steps to be taken if you are affected by an uninsured or underinsured motorist:

Use Your Personal Injury Protection (PIP) When Applicable

PIP insurance is a no-fault policy that will cover a variety of losses, including:
  • Hit by an uninsured motorist: You can get additional coverage for medical and hospital expenses (up to a maximum of $10,000).
  • Hit by an uninsured motorist: Loss of earnings ($200 per week up to a maximum of $10,000 in total, however you can purchase more).
  • Hit by an uninsured motorist: The cost of hiring someone to do housework ($200 a week, up to $5,000, however you can buy more) is covered by the lost services insurance policy.
  • Hit by an uninsured motorist: Funeral expenditures (up to a maximum of $2,000).
  • Hit by an uninsured motorist: Insurance for personal injury protection (PIP) has the additional benefit of being no-fault, which means you could have been at fault for the accident and still be covered.
  • Determine whether you are eligible for PIP compensation. Your insurer was required to make it available to you, albeit you were free to deny it. Also look to see if a relative in your home had it, as you may be protected under their insurance coverage if they did.

    Pay for Medical Bills With Your Health Insurance

    Depending on your circumstances, it is possible that you are covered by health insurance through your employer or have bought coverage via one of the ACA marketplaces. If you’ve had an injury, make sure to see if medical treatment can be paid for by your health insurance. Health insurance may be of use if you suffer a catastrophic event, as it can help cover some of the associated costs. However, you may still need to pay your deductible, copays and potentially lost wages due to being unable to work. Therefore, it is not always the best option in such a situation.

    Collision Coverage Insurance Can Be Used to Repair Your Vehicle

    Collision coverage is a necessity if you are leasing or financing your car, and optional on auto insurance policies for cars that are fully paid off. If your vehicle is damaged in an accident involving another car or object such as a fence or tree, the cost of repair or replacement will be covered by collision insurance. If you received a loan from your banking institution, they might have made it mandatory for you to get collision insurance.

    Sue the Other Driver

    In Arizona, even if a driver is lacking insurance, they are still accountable for any accidents that take place due to their carelessness. This grants you the authority to take legal action and try to collect his/her personal possessions in order to please a jury award. A lien can be created against the property, and then through the sheriff’s help it can be put up for sale. The proceeds from this sale will go towards satisfying the court’s judgment against the defendant. Sadly, only a few drivers possess enough resources to compensate you for your damages. The state necessitates them to acquire liability insurance, something that they would have done if they’d had the time. Unfortunately, many individuals don’t have the capacity to trace and seize someone’s personal belongings for filing a lien against it.

    If You’re Hit by an Uninsured Motorist, Talk to a Prominent Car Accident Lawyer in Arizona

    Our law firm has been providing assistance to those affected by uninsured motor vehicle accidents for many years and we are proud of the successful cases we have taken on. If you were in an accident and the other driver had no insurance, don’t be disheartened. There are a variety of paths you can take and our goal at The Law Office of Erica Gelfand is to help our clients recover as much as possible after a traumatic experience. For this reason, we are offering free consultations to discuss your options and how our legal team can be of service to you. We hope to help reduce any distress related to the car accident and bring you peace of mind by utilizing our extensive experience in obtaining substantial settlements for our clients. Contact us today and speak with a knowledgeable automobile accident attorney free of charge. Give us a ring at (480) 424-4431 to learn more about your right to compensation.

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