Were you hit by a driver with no insurance in Scottsdale, Arizona? Arizona law still provides you with options to recover compensation. The Scottsdale uninsured motorist claims lawyers at KRLG Injury Lawyers can help you seek the full recovery you deserve. Call (623) 303-5754 for a free consultation to talk through your options.
We have over 100 years of combined legal experience and have recovered over $250 million for injured clients. Our firm knows how to push back when insurers try to shortchange an uninsured motorist claim.
Why Choose KRLG Injury Lawyers to Help With My Uninsured Motorist Claim in Scottsdale, AZ?
Getting hit by an uninsured driver can leave you feeling isolated, with nowhere to turn for your medical bills and other damages. You deserve representation from a Scottsdale car accident lawyer who can help you navigate your legal options.
Clients across Scottsdale, Arizona, choose KRLG Injury Lawyers because:
- Members of our legal team have been recognized by Super Lawyers (Rising Stars) and Best Lawyers (Ones to Watch).
- We have a 4.8-star average rating on Google.
- We don’t charge anything upfront, and you only pay if we recover compensation for you.
- We understand how Arizona insurers evaluate and often undervalue uninsured motorist claims.
Reach out today to schedule a free consultation with a Scottsdale personal injury attorney who will fight for the compensation you’re owed.
What Are Your Options After a Crash With an Uninsured Driver in Scottsdale?
Arizona requires drivers to carry liability insurance, at least $25,000 in bodily injury liability coverage per person, $50,000 per accident, and $15,000 in property damage coverage. Yet many drivers on the road either let their coverage lapse or never carry it at all.
If an uninsured driver causes your crash, you typically still have more than one option for recovery.
Uninsured Motorist (UM) Coverage
Arizona insurers generally must offer uninsured and underinsured motorist coverage to policyholders, although policyholders may reject that coverage. Accordingly, many Arizona drivers carry some level of UM protection, even if they’ve never had to use it.
When you are involved in a collision with an uninsured driver, UM coverage can help pay for:
- Medical treatment and ongoing care
- Lost income
- Reduced future earning capacity
- Rehabilitation and physical therapy
- Related out-of-pocket costs
UM coverage effectively pays for damages the other party’s insurer would have covered if the at-fault driver had insurance.
Underinsured Motorist (UIM) Coverage
Sometimes the at-fault driver has insurance, but the coverage falls short of covering a serious injury. Underinsured motorist coverage helps pay the difference between the other driver’s policy and your actual damages.
A Direct Claim Against the At-Fault Driver
You can also pursue a personal injury claim directly against the driver who caused your crash. However, many uninsured drivers lack the personal assets needed to satisfy a judgment.
Our firm can review every one of these options in light of your specific policy and circumstances and help you pursue the route that maximizes your available compensation.
Other Insurance Coverages That May Apply
Beyond liability and uninsured/underinsured motorist coverage, several other types of insurance may help cover your damages, including:
- Medical Payments (MedPay) coverage can help pay your medical bills, regardless of who caused the crash. It often works alongside UM/UIM coverage rather than in place of it.
- Collision coverage pays for the property damage to your own vehicle after an accident, regardless of fault.
- Rental reimbursement coverage can help cover the cost of a rental car while your vehicle is being repaired or replaced.
Your attorney can help you identify which of these policies you have and whether they are responsive to the damages you’ve suffered.
What’s a Scottsdale Uninsured Motorist Claim Actually Worth?
There is no standard value for an uninsured or underinsured motorist claim. The amount you may recover depends on the circumstances of your accident, the extent of your injuries and losses, the available evidence, and the limits of your UM/UIM coverage.
Your policy limits can play an especially important role. Even when your losses exceed the value of the at-fault driver’s insurance coverage, your recovery through a UM/UIM claim generally depends on the amount of coverage available under your own policy.
Because UM/UIM benefits are paid by your own insurance company, you might expect the claims process to be straightforward. However, your insurer may dispute the value of your claim or whether certain losses are covered.
Reach Out to a Scottsdale Uninsured Motorist Lawyer Today for Legal Assistance
Being hit by an uninsured driver doesn’t mean you’re out of options. Arizona law still gives you a path to recovery, and you may not have to shoulder the financial fallout of someone else’s decision to drive without coverage.
KRLG Injury Lawyers has extensive experience handling complicated uninsured motorist claims. Call our Scottsdale uninsured motorist claims attorneys today to schedule your free consultation and find out how we can help you move forward.