Flagstaff Uninsured and Underinsured Car Accident Lawyer

Flagstaff Uninsured and Underinsured Car Accident Attorney

Being in a car accident is traumatic, and the road to recovery can be overwhelming. Even when the responsible person has sufficient insurance, it can still be difficult to receive the compensation you deserve. The situation becomes increasingly difficult when the responsible driver doesn’t have enough insurance or has no insurance at all. If you have been the victim of this kind of accident, a Flagstaff uninsured and underinsured car accident lawyer can help. The Kaiser Law Group helps victims secure compensation after uninsured and underinsured car accidents

Minimum Car Insurance Requirements in Arizona

Having auto insurance in the State of Arizona is not optional. In addition to having insurance, drivers are also required to carry proof of their insurance when on the road. Drivers must present proof of insurance if they are stopped by law enforcement or involved in an accident.

The Arizona Department of Insurance & Financial Institutions requires a minimum amount of coverage for various scenarios, including:

• $25,000 for injury or death to one person.
• $50,000 for injury or death to more than one person.
• $15,000 for property damages.

Uninsured Coverage vs. Underinsured Coverage

Uninsured motorist coverage and underinsured motorist coverage are similar but not identical. Both are optional choices to include in your auto insurance package with most insurance companies.

Uninsured coverage covers you if you are in an accident in which the responsible driver does not have insurance. This helps ensure that you do not pay out of pocket for your damages.

Underinsured coverage covers a certain amount of costs if you are in an accident in which the responsible driver doesn’t have enough insurance to cover the full cost of damages.

Filing a Claim Against an Uninsured Driver

One of the first steps you should take after any accident is to file a claim with your insurance company. In situations where you were hit by an uninsured or underinsured driver, this step is particularly important in order to receive compensation if you have the appropriate coverage. Your insurance company and your lawyer can work together to gather evidence and medical records that are pertinent to your case.

When Can I Make an Uninsured Motorist Claim?

You can make an uninsured motorist claim at any point after the accident has occurred. It is in your interest to make a claim as soon as you can because some insurance companies have strict policies regarding time limits and filing claims. The difference in accidents where the responsible driver is uninsured is that you will be filing a claim with your own insurance company. However, the process is relatively similar, and your lawyer can guide you through it.

Arizona Statute of Limitations for Car Accidents

Victims of car accidents are required to file a claim within two years of the date that the accident occurred for personal injuries and property damage. Failing to meet this time requirement may result in being unable to receive compensation. This is why it is important to contact an experienced lawyer as soon as possible. They can help you file the appropriate claim in the correct time frame.

How a Lawyer Can Help

Having the legal services of a lawyer can be invaluable when dealing with insurance claims or any other claims. There are a variety of ways a lawyer can help you in the aftermath of a car accident. Some of these ways include:

• Gathering evidence that can support your claim for compensation.
• Communicating with the defense and insurance companies.
• Guiding you through all legal processes.

An experienced lawyer can also be of support in many ways as you process the damages and losses that you have accrued because of the accident. Knowing that they are by your side every step of the way can be of great comfort.

FAQs

Q: How Do I Sue an Uninsured Driver in Arizona?

A: In the case that you have suffered damages or injuries because of an uninsured driver, it can be difficult to get compensation from them. Some people can rely on their own insurance company to cover the costs if they have uninsured motorist coverage; however, not all insurance policies have this option. This is why hiring an experienced lawyer is vital.

Q: What Happens When a Car Accident Claim Exceeds Insurance Limits in Arizona?

A:  Insurance companies typically set limits on the amount of damages they will cover for an auto accident claim. If the damages from an accident exceed that limit, you may be left to cover the remaining costs. Arizona requires that all vehicles and drivers have a minimum insurance policy to cover injuries, deaths, and property damage in the event of an accident.

Q: What Is the Difference Between Uninsured and Underinsured Drivers?

A: An uninsured driver is a driver who does not have insurance at all. The state of Arizona requires all drivers to have insurance before operating a vehicle on the road. An underinsured driver is someone who has car insurance, but their coverage limits are not enough to cover the damages they cause.

Q: How Much Does Uninsured and Underinsured Coverage Cost?

A: Uninsured and underinsured insurance coverage costs will vary depending on the insurance company you are with and the specific plan you choose. In some cases, it can be relatively inexpensive as an add-on to your existing insurance plan, but for a higher coverage amount, you can expect to pay a higher monthly rate.

Hire The Kaiser Law Group

When a traumatic experience such as a car accident takes place, it is important to have the right people by your side. There are many lawyers who may take your case, but hiring a lawyer with experience in similar cases is vital to having a successful outcome. We are familiar with uninsured and underinsured car accident cases and can walk you through every step of the legal process.

Do not wait to reach out to our office. These cases are time sensitive, and the longer you wait to get started, the higher the potential for complications to arise. Contact us today to learn more about how we can help.