Number of Uninsured Arizona Motorists Exceeds National Average
Arizona, like every other jurisdiction, has laws in existence that require auto insurance for those who drive vehicles. Unfortunately, and once again like every other jurisdiction, there are drivers on the road who do not have insurance coverage, which creates a high degree of risk for those who are involved with them in accidents. Even worse is the news that Arizona has a higher rate of uninsured motorists than the national average, which means that if you or someone you love has been harmed in a car accident, you need to seek the help of Arizona car accident lawyers as soon as possible.
Arizona Uninsured Motorists
Recently, the Insurance Information Institute released information regarding uninsured drivers around the United States. On a national level, approximately 13 percent of motorists do not carry coverage. In Arizona, the number is higher, and it currently sits at around 20 percent. This number is alarming for many reasons, not the least of which is that one in five vehicles on the road at any given time are not covered by a policy. In addition, Arizona has some of the lowest coverage limits in the United States, which means that those who do not have insurance are really not saving themselves much in monthly payments while simultaneously raising the financial risks for everyone who obeys the law.
How to Deal with Uninsured Motorists in Arizona Car Accidents
If you or someone you love has been involved in an Arizona car accident with an uninsured motorist, you are not without options. Most people who do have insurance coverage also purchase what's known as Uninsured Motorist coverage, or UIM. UIM's purpose is to provide a safety net of a recovery for those who need financial relief but cannot get it from the other driver's nonexistent coverage. Basically, a claim should be filed with the injured driver's own insurance company.
Unfortunately, these claims are not always approved, and it can be a difficult process to recover a settlement. If this situation sounds all too familiar, contact the Arizona car accident lawyers at Phillips Law Group today to schedule a free initial consultation.