Uninsured Accident Lawyer in Phoenix
Unfortunately, being hit by an uninsured or underinsured driver in Phoenix is common. However, this doesn’t diminish the stress you face due to medical bills, vehicle repairs, and denied claims.
Runion Personal Injury Lawyers is a trusted guide for navigating the Valley’s legal landscape. Our compassionate team can help with your auto accident case and seek the compensation you deserve. Call today at (602) 825-3502 to schedule a free consultation with an uninsured accident lawyer in Phoenix.
$50+ Million Recovered
Content Reviewed By: Derick Runion
Table of Contents
- Understanding Uninsured Motorist (UM) & Underinsured Motorist (UIM) Coverage in Arizona
- Why Choose Runion Personal Injury Lawyers for Your Uninsured Accident Claim in Phoenix, AZ?
- Testimonials From Our Phoenix, AZ Accident Clients
- Our Notable Case Results
- Why You Need a Lawyer for Uninsured Motorist Claims in Phoenix, AZ
- Challenges After an Uninsured Motorist Accident
- Underinsured Accident Scenarios We Handle in Phoenix, AZ
- What To Do if an Uninsured Driver Hits You
- Damages You May Be Entitled to After an Uninsured Accident
- Let Runion Personal Injury Lawyers Help You With Your Uninsured Car Accident Claim Today
Understanding Uninsured Motorist (UM) & Underinsured Motorist (UIM) Coverage in Arizona
Uninsured and underinsured motorist coverage are optional forms of car insurance designed to protect you if you’re hit by a driver with little or no coverage. This is especially valuable in places like Arizona, which is an at-fault, tort state.
In this system, the at-fault driver is legally responsible for covering damages after an accident. However, if they don’t have insurance, this can become much more complex. UM and UIM coverage can help in these situations. UM typically covers your injuries and lost wages, while UIM may help cover the gap between the at-fault driver’s low policy limits and your actual expenses.
Filing a UM or UIM claim typically does not result in a premium increase. In these cases, it’s the other driver who’s at fault. Since you’re the victim, not the one who caused the loss, most insurers don’t penalize you for using this coverage.
While Arizona doesn’t require UM and UIM coverage, it does mandate that insurers offer it. Overall, policyholders can protect themselves by having this type of coverage. However, if you don’t have UM or UIM, and you’re in an accident with an at-fault driver who didn’t have adequate insurance, our legal team can still help you navigate the case for compensation.
Why Choose Runion Personal Injury Lawyers for Your Uninsured Accident Claim in Phoenix, AZ?
When you choose to work with Runion Personal Injury Lawyers, you’re partnering with a team that has more than 20 years of combined experience and a 99 percent success rate in securing compensation for clients. We take a compassionate and personalized approach, working on a contingency fee basis. This means your case will receive thorough attention, but you only pay if we win. Our uninsured accident attorneys have local knowledge of Phoenix courts and the city’s legal landscape. We’ve recovered over $50 million for Arizona car accident victims and could be of service to you and your family, starting today.
“Runion Personal Injury Lawyers differs from other firms in town because of the amount of cases that we choose to accept. We choose to accept a limited number of cases so we can give our clients the attention their cases deserve.”
Derick Runion
Testimonials From Our Phoenix, AZ Accident Clients
We’re proud of our compassionate and dedicated service—but don’t just take our word for it. Read our testimonials to learn more about our former clients’ experiences with us.
I was rear ended by a drunk driver and it was a hit and run. I contacted Runion Law firm and they immediately jumped on the case! They arranged for medical treatment for my injuries, worked with both insurance companies, and secured me a large settlement! Their staff was always in contact and kept me up to date on progress. I would highly recommend them to anyone involved in a personal injury case.
Chris B.
Great staff, very supportive! A big thank you to Whitney Larson for going above and beyond to help out with the case and getting us past the finish line!
Chinmay V.
I want to thank the team at Runion personal injury lawyers, especially Ms. Delia for all the effort she put into my Car Accident case. She was very communicative and extremely supportive and friendly! I definitely recommend going to them if you need a great attorney!
Jose A.
Our Notable Case Results
Our team has obtained compensation for clients throughout the Valley. Here are a couple of our case outcomes.
$1,250,000
- Car Accident
Runion Personal Injury Lawyers filed suit against a company whose superintendent collided with our client’s vehicle necessitating neck and back surgery. Our firm obtained policy limits in the amount of $1.25 million from the company and its superintendent.
$937,500
- Truck Accident
Runion Personal Injury Lawyers obtained a settlement in the amount of $937,500.00 for a young man who was struck from behind by a tow truck while traveling in an Uber. The tow truck was carrying another vehicle at the time of the collision adding significant weight to the tow truck.
Why You Need a Lawyer for Uninsured Motorist Claims in Phoenix, AZ
Our accident lawyers are equipped to handle even the most complex cases involving underinsured drivers in the Phoenix area. During an initial complimentary consultation, we can assess your unique situation and determine whether you have a case. Following this, we’ll conduct a thorough investigation, gathering evidence such as police reports, witness statements, and medical records.
Throughout this process, we can protect your rights against lowball offers from insurance companies and negotiate on your behalf to ensure a fair outcome. We’ll make sure your claim adheres to specific statutes relevant to UM and UIM claims in Arizona. If necessary, our team can take your case to court and litigate for a fair compensation amount.
Challenges After an Uninsured Motorist Accident
Claims involving uninsured or underinsured drivers can be especially challenging. Since you’ll be dealing with your own insurer, there’s a risk of reduced payouts. You’ll also need to prove the other driver’s fault and document your damages—without the benefit of their insurance coverage.
On top of all of this, it’s crucial to adhere to Arizona’s statute of limitations for personal injury claims. With all of the complexities involved in negotiating settlements and navigating a UIM or UM claim, it can be beneficial to have an attorney on your side. Contact Runion Personal Injury Lawyers today for more information.
Underinsured Accident Scenarios We Handle in Phoenix, AZ
We handle a variety of underinsured accident cases for clients at our law firm, including the following:
- Hit by an uninsured driver
- Hit-and-run accidents
- The other driver has minimal coverage
- Denied or delayed UM and UIM claims by your own insurer
- Injured as a passenger in a car without insurance
What To Do if an Uninsured Driver Hits You
You can take immediate, proactive steps in the aftermath of an accident to ensure your safety and preserve your rights to a claim.
- Call 911 and emergency medical services
- Exchange information, if possible and safe
- Document the scene, such as taking photos and videos
- Report the accident to your insurance company, but don’t give a recorded statement without legal counsel
- Contact an experienced Phoenix uninsured accident lawyer
It’s important to note that even if your injuries seem minor, you should always seek medical attention. Some injuries, such as concussions and internal bleeding, may not be apparent right away. Their symptoms can manifest over days or weeks, so it’s critical to get checked out as soon as possible to begin treatment. Doing so also provides you with documentation of your injuries, which can be used while filing a claim.
Damages You May Be Entitled to After an Uninsured Accident
You may be eligible for multiple forms of compensation following an uninsured car accident. These can include economic and non-economic damages, as well as punitive damages. Economic damages are the tangible losses you experience following a personal injury, such as:
- Past and future medical expenses
- Vehicle repairs or replacement
- Lost income and earning potential
Non-economic damages include intangible, more subjective losses, like:
- Pain and suffering
- Emotional distress
- Reduced quality of life
Also, in cases of extreme misconduct, the court may award punitive damages to punish the defendant. While rare, these may be appropriate in specific situations, such as hit-and-run cases involving a bicyclist or pedestrian, or wrongful death claims.
Let Runion Personal Injury Lawyers Help You With Your Uninsured Car Accident Claim Today
If you or a loved one has been in a crash with an uninsured or underinsured driver, don’t panic. Our determined Phoenix car accident lawyers can help with your case from start to finish, navigating the complexities and legal landscape to ensure a seamless process.
Take the next step by scheduling a free, no-obligation consultation. Submit a form, call, or stop into the Phoenix office today to speak with an uninsured accident lawyer in Phoenix.
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Case Results
Over $50 Million recovered
$1,250,000
- Car Accident
Runion Personal Injury Lawyers filed suit against a company whose superintendent collided with our client’s vehicle necessitating neck and back surgery. Our firm obtained policy limits in the amount of $1.25 million from the company and its superintendent.
$600,000
- Car Accident
Our client was involved in a serious collision while driving her vehicle, resulting in head trauma and other injuries. Runion Personal Injury Lawyers presented scientific evidence to link her aneurysm to the automobile collision and obtained a $600,000.00 settlement for the client.
What Our Clients Say
I was rear ended by a drunk driver and it was a hit and run. I contacted Runion Law firm and they immediately jumped on the case! They arranged for medical treatment for my injuries, worked with both insurance companies, and secured me a large settlement! Their staff was always in contact and kept me up to date on progress. I would highly recommend them to anyone involved in a personal injury case.
Chris B.
Hands down, these guys are the best! I was in a car accident, I got rear-ended. The staff and attorneys at Runion Personal Injury Lawyers took great care of me. They handled EVERYTHING from medical bills to fighting with the other guys insurance company who tried to claim their client wasn’t at fault. Aside from taking care of the medical bills, the settlement they got me was very good. I have been recommending Runion to everyone because I think they are the best accident attorneys around.
Dan C.
Working With Us Is Easy And No-Risk
Get Better. Get Compensated. Get Justice.
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