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Posted by: Maricopa Lawyers on Jul 6, 2015

auto accident truck hit right front
Although proving financial responsibility is required when registering a vehicle with the Arizona department of transportation, about 14% of drivers are driving around Phoenix with no insurance coverage on their vehicles. This means that there’s a chance that if you’re involved in an accident, the other driver may not have any car insurance. While their reasons for not having insurance may vary, most of the time, when economic conditions are poor, people look for ways to cut their expenses in ways that they think they’ll get away with. Even though Arizona imposes strict punishments for drivers that don’t have insurance, many people are still willing to risk it.

Arizona is an at-fault state, which means that when an auto accident happens, the at-fault driver is financially responsible for damages and injuries resulting from the crash. This means that the at-fault driver’s insurance company will cover damages and injury claims. If you’re involved in an accident that was the other driver’s fault, you are not financially responsible for anything, and their liability insurance will compensate you for injuries or damages.

If the other driver is at fault and he or she does not have liability coverage, your compensation must come from somewhere else. Another case may be that if you have a serious injury, your medical costs could easily exceed the $15,000 minimum coverage. In cases like these, uninsured and underinsured motorist coverages could be a real life saver.

If you are injured or your car is damaged after an accident with an uninsured motorist, you can:

  • sue the uninsured driver for damages, or
  • file a claim for uninsured motorist benefits (if you have it in place) with your own insurance company. In this case, Arizona state law prohibits your insurance company from raising your premium as a result.

Car accidents can be a traumatic ordeal. The situation becomes more complex when the proper insurance coverage is not in place to compensate you. It’s important to find the help and resources you need to make sure justice is served.