Uninsured/Underinsured Car Accidents in Tempe

In addition to following all the rules of the road and looking out for other people near them, drivers in Arizona are also expected by state law to protect themselves financially while driving as well. This means all motor vehicle owners in the Grand Canyon State have to purchase and maintain a car insurance policy in good standing so that if they end up in a wreck with someone else, that other person can seek compensation for crash-related losses through their liability insurance coverage.

Unfortunately, not every person complies with this law, and others technically meet the minimum requirements but still have bad insurance that will not end up covering much after a collision. Either way, uninsured/underinsured car accidents in Tempe can be a huge hassle to deal with, and support from a knowledgeable car accident lawyer can be vital to minimizing additional stress after this sort of wreck while also ensuring you get paid as much as possible for your damages.

Insurance Requirements for Motor Vehicle Owners in Tempe

Under Arizona state law, every driver must have liability insurance coverage providing at least $25,000 worth of coverage for a single person’s injuries, $50,000 for all injuries, and $15,000 for property damage stemming from any one collision. Unlike some other types of car insurance coverage, liability coverage only kicks in if the policyholder is found to be at fault for causing a crash, which is why it is sometimes referred to as “fault” coverage.

Of course, individual policyholders can choose to pay more in insurance premiums per month in order to get more insurance coverage beyond these minimums, including things like collision and comprehensive coverage which would reimburse the policyholder for the costs of repairing damage to their own vehicle. If someone does not have the minimum required amount of liability insurance coverage, that does not automatically make them at fault for any wreck in Tempe they end up involved in, but it does open them up to substantial legal sanctions as well as personal financial liability for losses stemming from that wreck.

What Is Uninsured Motorist Coverage?

One other optional type of insurance coverage that auto insurance providers must offer to policyholders is uninsured/underinsured motorist (UIM) coverage. As the choice of terminology suggests, this type of coverage is designed specifically to make up for gaps in coverage after an accident caused by another driver’s failure to purchase enough liability insurance to cover all accident-related losses.

UIM coverage usually matches whatever amount of coverage is provided by the policyholder’s liability insurance, and while it is not included automatically in every policy, policyholders must opt out of it in writing in order to have it removed from their policy and not incorporated into their monthly premium. A qualified attorney can help determine whether a particular policy includes this type of coverage and, if so, help make the most of that coverage following a crash in Tempe involving an uninsured or underinsured driver.

Denise C.

Phillips Law Group made dealing with our auto accident easy. They always had our best interest in mind and made sure that we were happy with treatment before finalizing anything. Our Paralegal, Amy Wagner, is amazing! She checked in on us throughout the entire process to make sure our treatments were going well and that we were getting better, getting healthy was first priority. She kept us informed on the progress of our case every step of the way and was very prompt with either calling or emailing us back with any questions that we had. We are very satisfied with our experience with Phillips Law Group, and would highly recommend them to anyone in need of representation!

Squaw Peak Realty

I never thought it could happen to me, I had heard about it on the news, but truly never thought it could happen to me. I was rear ended by a drunk driver. I was lost on what to do. My car insurance company would give no directions, I and my grandson were injured, my little pick- up was smashed, I was not the one who was at fault, but I felt like I was because I could get no help on what to do! You would think that your car insurance company would at least point you in the right direction. So, I contacted Phillips Law Group, I truly never ever thought I would need the help they provided...

Jeffrey J.

Phillips Law Group helped me out a lot with my motorcycle accident. They're attentive to your needs, always have answers to your questions, and answered all my calls, never leaving me in the dark. I highly recommend Phillips Law Group.

Anthony W.

I just wanna say that I’m young and have never had an incident needing something like Philips law and I’m glad I went with them. After my accident I was paralyzed with stress on how am I gonna recover from this what do I do, but they literally took majority if not all the worry away. I really only went to my appointments and kept them updated as much I can and eventually helped me win my case. It was a quick process as well for receiving compensation very grateful. Thank you!

Sherman S.

One of the best experiences I have ever had dealing with a accident attorneys. They made me feel welcomed. They definitely listened to me and help guide me through this process with ease. There was no surprises and they made sure I was taken care of every step of the way. The best phone I made the night of my accident and God forbid any other accidents come my way but if so they will definitely be my very first call again. Best law group In PHX.

Whitney W.

I want to say for this being my first accident and unclear on what to do. They were amazing, from communication and making sure you have everything you need. The other insurance was giving me a hard time with my rental, I called my attorney at Philips Law Group and they made sure I had a vehicle to get around. They made sure I got the best care with amazing staff. They handle my case with care and at the end they still make sure I am okay. I appreciate you guys for not taking advantage of me and putting me first. It was not about the money but making sure I had everything I need and what was owed...

Jasmine J.

Phillips law group is an AMAZING company!!!! First and foremost not only did they help me with my first car accident but my second one as well!! They stayed in communication with me the ENTIRE time and didn’t leave me out throughout the whole process. Kalynn is AMAZING she is literally heaven sent. I LOVED working with her so so so much. They truly did everything in their power to get me the most money. I’m still in disbelief how much money I did end up walking away with. I’m very happy and blessed that they took my case when nobody else would. I will definitely use them again in the future NO QUESTIONS ASKED! Trust me USE THEM! You...

Tim B.

Maria Cionci and Paulina Nava are wonderful people that truly care about their clients. I have a lot of respect for how they conduct themselves in general, but especially how they graciously assist their injured clients. If you have been injured in an automobile collision, call and ask for their assistance. You won't be disappointed!

CiLo U.

I am extremely grateful with Phillips Law Group, for the empathy and concern for my physical and emotional well-being that they provided me during the process of my car accident, thank you so much! You are the best Law Firm!

Sayra M.

100% recommended, very professional and friendly staff, I had a car accident and they helped me immediately with doctor appointments and also helped me obtain a loan in advance for compensation

Kersey S.

Beyond our expectations! Amazing hard work from Phillips Law group. Team had amazing communication with my husband and myself from day one. Provided us with exceptional referrals to medical places for our care. And ended with more then what we ever expected to get from our settlement from our accident. Thank you Phillips law group.

Darren M.

I feel that I was truly blessed to find the Phillips Law Group after being involved in a bad car accident. My attorney and the staff were professional and very supportive. The firm provided compassion and sound legal advice while we navigated my insurance claim. I highly recommend giving them a call if you are involved in an accident with bodily injuries. The firm set me up with healthcare providers and really went the extra mile to help me with my case. I’m happy with my settlement and for all of their help.

Tea J.

Aaron my attorney and Jasmine my paralegal were great. Throughout the settlement process, Jasmine did a great job of keeping me in the loop of everything going on. It is a long process but being reassured during the process was helpful. Throughout the process I was provided a chiropractor and physical therapist and they all made sure that I was taken care of and feeling better before releasing me. I was also provided a trauma therapist. Though I still think about the accident and struggle here and there, my therapist did a great job of giving me the help i needed in the months following the accident. I hope to never go through this again but if need be, I...

Mary S.

Amazing Law Firm after getting the run around from the Insurance companies, I decided to call Phillips Law Group and initially spoke with Randy he was so helpful and kind, he truly cared about my situation and was explaining to me everything about what typically happens after an Accident....It just so happened to be exactly what I was dealing with. I felt at ease during our conversation like a weight had been lifted and at that point, I knew I made the right decision contacting them, and shortly there after I retained their services. I was contacted by my Attorney and Case manager within and hour and they assured me all my needs would be met - helping me with...

Grant F.

Having never been in automobile wreck before, I found myself in uncharted territory. Thankfully I ended up choicing Phillips Law Group. They took charge of my case! I want to especially acknowledge McKenna, my case manager. Without her listening -- to my good days as well some bad days due to injuries -- I would have been lost. If you ever need a Law firm, think about talking to Phillips Law Group. You won't be sorry.

Matt S.

I had a fantastic experience during a difficult time. In particular, my paralegal Brittany was extremely helpful and answered all of my questions in a timely manner and made the process very smooth. I would definitely recommend.

Chandon A.

Angie at Phillips Law Group is outstanding. She took a high degree of consideration with every concern raised and PLG lawyers are outstanding legal advocates. I highly recommend this law firm.

Wayne K.

Patrick was wonderful! When Patrick wasn’t available Jacqueline stepped. They are amazing!!!

Vincente V.

Phillips law group has met ALL of my needs and expectations, especially Angie Jones! She is a very solid individual, always a pleasure to talk to, and a welcoming face! You cannot go wrong here at Phillips, especially if your working with Angie

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Get Help From a Tempe Attorney with an Uninsured/Underinsured Car Accident Claim

Uninsured motorists are not just breaking the law—they are also putting everyone around them at risk of suffering serious harm in a wreck which they may have no means of recovering from financially. Needless to say, this is an exceptionally frustrating problem to find yourself facing after a wreck that was not your fault, and one which can be very difficult to overcome on your own.

You have support available after an uninsured/underinsured car accident in Tempe from dedicated legal professionals who are not afraid to litigate if necessary to get the best possible case results for injured people. Call Phillips Law Group today to discuss your recovery options with a member of our legal team.