Arizona Uninsured Motorist Accident Lawyer
Being involved in a car accident is overwhelming on its own. When the at-fault driver has little or no insurance, the situation becomes even more stressful. The good news is that you still have legal options to pursue compensation.
If you are dealing with this type of crash, Runion Personal Injury Lawyers can help you navigate the claims process. We invite you to learn more about our firm and to speak with an Arizona uninsured motorist accident lawyer today by scheduling a free consultation.
$50+ Million Recovered
Content Reviewed By: Derick Runion
Table of Contents
- What Happens if an Uninsured Driver Hits You in Arizona?
- How Our Team at Runion Personal Injury Lawyers Can Help
- Why Our Team Is the Best Choice for Your UM/UIM Claim in Arizona
- How Uninsured and Underinsured Motorist Coverage Functions in Arizona
- Available Compensation After an Uninsured Motorist Accident
- Arizona Uninsured Motorist Accident FAQs
- Consult an Arizona Uninsured Motorist Accident Lawyer Today
What Happens if an Uninsured Driver Hits You in Arizona?
A 2021 report shows that 1 in 8 drivers nationwide are uninsured. In Arizona, 11.9 percent of drivers fall into this category. Even though state law requires liability coverage, many drivers ignore the law, leading to crashes where victims face additional hurdles to recovery.
Many victims of these incidents feel hopeless about recovering damages. In reality, there are routes to compensation even in these types of accidents, typically through the use of uninsured/underinsured motorist coverage, which we will take a closer look at later in this article.
How Our Team at Runion Personal Injury Lawyers Can Help
Three key elements shape a personal injury claim: documentation, compensation, and legal fees. Our Arizona uninsured motorist accident attorneys manage all the paperwork for you, sparing you from complicated forms and drawn-out negotiations with insurance companies.
In addition, we always fight for maximum compensation. Our team uses extensive knowledge and experience, including Derick Runion’s insurance industry background, to ensure you get a fair settlement.
One of the primary concerns that injury victims have when it comes to hiring an attorney is financial risk. At Runion Personal Injury Lawyers, we offer a Net Recovery Guarantee and a free consultation to ease financial worries. You never pay unless we win your case, easing any financial stressors you may have.
Why Our Team Is the Best Choice for Your UM/UIM Claim in Arizona
By choosing to partner with our seasoned legal professionals, you secure several significant advantages for your case, including the following:
- We have local insight: Our attorneys consist of Arizona natives who understand how insurers and courts in the Valley operate. We take an aggressive approach to negotiations and never back down from intimidation tactics.
- We have insurance industry experience: Our founding partner, Derick Runion, has a background in the insurance industry, giving our clients a leg up in negotiations.
- We address financial concerns: Our Net Recovery Guarantee ensures clients won’t pay our firm more than we recover. Additionally, we provide free consultation and no upfront costs.
- We have a pattern of success: Our 99 percent success rate and $50+ million recovered reflect our team’s commitment to client success.
- We offer bilingual services: Our attorneys provide services in both English and Spanish, enabling us to serve a broader clientele.
- We use client-focused language: We understand that navigating an uninsured accident claim can be both frustrating and complex. That’s why we take care of everything for you, keeping you fully informed throughout the process.
Our Arizona Uninsured Motorist Accident Lawyers
Our hardworking and knowledgeable attorneys are committed to helping Arizonans secure compensation for their uninsured motorist accident cases. We’re focused on compassionate care, the fair treatment of clients, and transparency.
What Our Arizona Clients Say
Our client testimonials are a great reflection of past successes at our firm and allow prospective clients to learn about past experiences with our team.
Runion Personal Injury Lawyers truly came through for me after my truck accident. Between my injuries, my wrecked car, and a shady trucking insurance company, I didn’t know what to do. Their team handled everything from start to finish, knew A LOT about Truck law in Phoenix, AZ and fought to get me the compensation I deserved!! I couldn’t have asked for a more dedicated and supportive group! ❤️🙏🏼
Jessica J.
I’m incredibly grateful for Derick’s help with my daughter Emilia’s settlement after the car accident in her Nissan Versa. After her insurance company denied her claims for chiropractic care and physical therapy following her broken femur, Derick’s persistence and expertise were key in securing the compensation she deserved. I truly appreciate his dedication and excellent service throughout the process.
Lisa M.
I was hit from a drunk with no insurance. And he still was able to help me. He has his Dr’s look at me and took great care of me. I highly recommend him. Best accident lawyer I’ve ever had.
Terry G.
Successful Personal Injury Case Results
$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.
$500,000
- Motorcycle Accident
Secured $500,000 for a client who was injured in a motorcycle crash caused by a DUI driver who made an illegal left turn in front of him. Despite the defendant being cited for DUI and other violations, the defendant’s insurance company attempted to shift blame onto our client. With expert testimony and strategic legal action, we secured full compensation for the client.
Discover more of our past successes in motorcycle, pedestrian, truck, and bus accident claims by checking out our case results.
Free, No-Pressure Consultation
At an initial consultation, you’ll be welcomed by our professional and friendly team. They’ll conduct an in-depth case evaluation, reviewing the details of your accident and determining whether you are eligible for compensation.
How Uninsured and Underinsured Motorist Coverage Functions in Arizona
In Arizona, uninsured motorist coverage protects you if you are involved in a car accident where the at-fault driver has no insurance. It can cover damages such as medical expenses, lost wages, and pain and suffering. Depending on your policy, it may also include property damage or wrongful death benefits.
Underinsured motorist coverage applies when the at-fault driver has insurance, but their coverage limits are not enough to pay for all your damages. This coverage helps pay the remaining costs.
Arizona law requires insurers to offer UM and UIM coverage, but drivers may reject it in writing. To preserve your rights under a UM/UIM policy, you must provide prompt written notice to your insurer. In most cases, you have up to three years from the date of the accident to bring a UM/UIM claim, though acting sooner is recommended.
Available Compensation After an Uninsured Motorist Accident
Uninsured motorist coverage is designed to cover damages in the same way a driver’s insurance would. This includes the following forms of compensation:
- Medical bills – Ambulance fees, surgeries, doctor’s appointments, and prescriptions
- Lost wages – Time off work and reduced earning capacity
- Pain and suffering – Physical pain from catastrophic injuries and chronic complications
- Property damage – Damage to your vehicle and other personal items
- Wrongful death damages, if applicable
It’s crucial to secure an Arizona accident lawyer who knows how to negotiate and litigate against insurers, especially in cases involving an uninsured motorist.
Arizona Uninsured Motorist Accident FAQs
What if I Don’t Have UM/UIM Coverage?
If you don’t have UM or UIM coverage in Arizona and are hit by an uninsured or underinsured driver, you may be responsible for paying your own medical bills, lost wages, and other damages out of pocket. You may be able to pursue other avenues, such as suing the at-fault driver directly or filing a claim with your health insurer for medical costs.
How Much UM/UIM Coverage Should I Carry in Arizona?
In Arizona, you should carry Uninsured and Underinsured Motorist coverage that matches your liability policy limits, as the minimum state-required liability coverage of $25,000/$50,000/$15,000 is often insufficient to cover serious accidents.
Can I Sue the Uninsured Driver Directly?
Yes, you can sue an uninsured driver directly to recover damages after an accident, but whether you succeed depends on their financial ability to pay. A well-versed attorney could help navigate this process.
Does My Health Insurance Cover Accident Injuries if the Other Driver Is Uninsured?
Yes, your health insurance can cover injuries from an accident when the other driver is uninsured. However, you may have other forms of coverage available through your auto policy, such as uninsured motorist coverage or personal injury protection.
How Long Do I Have To File a UM/UIM Claim in Arizona?
In Arizona, you must promptly notify your insurer if you intend to make an uninsured or underinsured motorist claim. You generally have up to three years from the date of the accident to bring a lawsuit against your insurer if benefits are denied, but acting sooner helps preserve your rights.
Consult an Arizona Uninsured Motorist Accident Lawyer Today
If a driver caused you harm, whether they failed to yield or were intoxicated, you deserve justice for your injuries. As an established and compassionate law firm headquartered in Phoenix and serving the Valley, we believe no victim should have to navigate insurance disputes alone.
Our Arizona uninsured motorist accident lawyers are here to represent you in your case and seek full compensation for your losses. Get help and justice today. Contact our law office at 602-825-3502 to schedule a free consultation.
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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
After my car accident I was knee deep in medical bills and insurance claim paperwork. Runion personal injury lawyer has some of the best lawyers for car accidents. They worked professionally and in a timely matter to make all the paperwork and process for the injury claim to go a lot faster. Didn’t have to fight the insurance to deal with this rear end accident. I love how quickly they got me a great settlement and always kept in touch with me and kept me up to date on everything. I thought I was going to be at a complete lost but thanks to some of the best lawyers especially in New Mexico they got me a great settlement when the insurance was make it a hassle. Definitely if you need a lawyer in New Mexico go with Runion personal lawyer.
Tay
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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