This form for use in litigation against an insurance company for bad faith breach of contract. Adapt this model form to fit your needs and specific law. Not recommended for use by non-attorney.
Motorist Uninsured Accident For Bodily Injury In Phoenix
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Multi-State
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Phoenix
Control #:
US-000279
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FAQ
If the at-fault party doesn't have car insurance, you might have more difficulty getting compensation, but it's not impossible. If you have UI/UIM coverage, you can file a claim against your own insurance. You can also sue the driver directly with a lawyer's help if the driver has enough assets you can claim.
In situations where you are not insured but the other driver is at fault, you can still file a claim against the at-fault driver's insurance company for damages. Your lack of insurance does not negate your ability to pursue compensation under California law.
While insurance companies may pursue uninsured drivers to recover claim costs, the process can be complex and time-consuming. Uninsured drivers involved in accidents should seek legal counsel promptly to protect their rights and explore possible compensation avenues.
If the at-fault party doesn't have car insurance, you might have more difficulty getting compensation, but it's not impossible. If you have UI/UIM coverage, you can file a claim against your own insurance. You can also sue the driver directly with a lawyer's help if the driver has enough assets you can claim.
California law does not require you to carry uninsured motorist (UM) or underinsured motorist (UIM) coverage—so, legally, you don't need either one. However, UM/UIM is an important and commonsense coverage to carry.
Liability is required by your state to legally drive on the road. Uninsured motorist coverage covers you and your passengers' medical bills if you are hit by another driver that does not have insurance. There is no such thing as "full coverage" but people normally use that term to describe comprehensive and collision.
Without uninsured motorist coverage, if you're injured or your vehicle is damaged in an accident with an uninsured or underinsured driver, you could end up paying for medical bills or vehicle repairs out of your own pocket.
If a driver hits your vehicle and flees, you can file a claim against your policy's uninsured motorist coverage. However, in some states, uninsured motorist coverage for property damage (UMPD) will not cover hit-and-run incidents.
Cons of UM/UIM Coverage One of the notable drawbacks of opting for UM/UIM coverage is the accompanying increase in insurance premiums. While this may seem like a financial trade-off, the peace of mind and the level of financial protection it offers in the face of unforeseen events often justify the higher costs.
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Speak with your insurance company regarding filing an uninsured or underinsured motorist claim. For experienced help after an accident with an uninsured motorist, call .We have offices in Phoenix and Tucson and serve clients across Arizona. Speak With a Phoenix Uninsured Motorist Lawyer Today. If you have been in an accident with a driver who was uninsured or underinsured and you suffered personal bodily injury, you may qualify for a settlement. Our Phoenix accident injury lawyer can help you file the paperwork with your insurance company and guide you through the legal process. We recommend that all drivers in Arizona have uninsured or underinsured motorist coverage. Zanes Law encourages all drivers to carry this policy add-on. It can make a vast difference in the outcome of your accident. Uninsured motorist property damage coverage applies when the uninsured driver is found to be at fault for the accident.