Car accidents are always challenging to manage, especially if you were injured. When the at-fault driver is uninsured or their insurance is inadequate, getting the compensation you deserve can be daunting.
The attorneys at Phillips Law Group help people in uninsured/underinsured car accidents in Flagstaff recover financial damages for their losses. With over 30 years of experience, the firm has a strong track record of achieving excellent results for the local community.
Many Drivers Are Uninsured/Underinsured
Anyone registering a vehicle in Arizona must provide proof of insurance. The state’s minimum liability coverage requirements are $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $15,000 for property damage. A significant percentage of drivers fail to maintain their insurance coverage and drive illegally.
Even when drivers carry liability insurance, minimum coverage limits often fail to fully compensate an injured person’s losses. Repairing damage to a newer vehicle can quickly exceed $15,000. If an accident victim requires hospitalization, the bodily injury coverage may not be enough to cover their medical expenses.
Drivers can enhance their financial protection by adding optional uninsured/underinsured motorist coverage to their auto insurance policy. This coverage allows them to file a claim with their own insurer if they are involved in an accident with a driver who lacks insurance or has inadequate coverage. However, pursuing these claims can be complicated and requires the services of a Flagstaff car accident attorney experienced in uninsured and underinsured motorist cases.
Working With the Insurance Company
When a driver with uninsured/underinsured motorist coverage is involved in an accident with an uninsured or underinsured driver, they must promptly notify their insurance company of their intent to file a claim. The deadline for notification is outlined in the policy, with many requiring notice within 30 days of an accident.
Insurance companies can be just as aggressive when handling claims from their own customers as they are in negotiations with other insurers. Flagstaff drivers asserting a claim against their own uninsured/underinsured motorist policy should work with a knowledgeable car accident attorney to receive the compensation they deserve.
If the insurance company fails to offer a reasonable settlement, the driver cannot file a lawsuit against their own insurer. Instead, the terms of the contract require the dispute to be resolved through arbitration. Having legal representation is essential for any driver going to arbitration with an insurance company.
Lawsuits Against the At-Fault Driver
If a driver is hit by an uninsured or underinsured motorist and does not have the optional coverage, they must seek compensation directly from the at-fault driver. This often involves filing a lawsuit and providing evidence that the other driver caused the accident.
If the police attended the crash scene and issued a citation, the ticket serves as evidence of the driver’s negligence. Otherwise, proving negligence requires demonstrating that the driver did not use reasonable care and that this failure directly caused the crash.
In many cases of uninsured and underinsured car accidents in Flagstaff, the at-fault driver may lack the financial resources to cover the damages. A skilled attorney can investigate whether additional sources of insurance coverage are available. For example, under Arizona Revised Statutes § 4-311, a licensed establishment, such as a bar or restaurant, may be held liable if they served alcohol to a visibly intoxicated person who later caused harm. Additionally, other drivers involved in the crash, vehicle manufacturers, and property owners where the incident occurred may also share liability.
Work With a Flagstaff Car Accident Attorney When Your Uninsured/Underinsured Insurance Coverage Is Inadequate
A significant number of drivers on local roads lack proper insurance coverage. Phillips Law Group specializes in uninsured/underinsured car accidents in Flagstaff and can help you understand your recovery options.
An attorney with local knowledge and experience can get you the compensation you deserve. Reach out today to schedule a free, no-obligation consultation.
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