Uninsured & Underinsured Motorist Claims In Arizona: What Every Driver Must Know

Описание: Did you know one serious crash in Arizona can burn through the other driver’s insurance in a single day, and still leave you with tens of thousands in bills? Most people only find out when it’s too late.

Here’s the problem: People think, “If someone else hits me, their insurance will cover everything.” Not true. Arizona’s minimum is just $25,000 per person, $50,000 per accident. That barely covers a hospital stay, let alone surgery and rehab. And if the driver has no insurance, or disappears, you could be left paying out-of-pocket.

That’s where UM and UIM coverage step in.
-UM covers you if the at-fault driver has no insurance or flees.
-UIM fills the gap when their insurance isn’t enough.
But here’s what most people miss: UIM only pays the difference between what you got from the other driver and your damages, up to your policy limit. If your damages are $150,000, the other driver pays $25,000, and your UIM limit is $100,000, you’ll only recover $125,000. That still leaves a gap.

And don’t forget, these aren’t friendly claims. You’re fighting your own insurance company, and they’re motivated to pay you as little as possible.

I spent 20 years inside the insurance industry watching how they delay and deny claims. Now I fight back for people like you. My team knows how to protect your rights, prevent costly mistakes, and push for the compensation you’ve been paying for all along.

If you’ve been hit by a driver with little or no insurance, don’t wait. Call me at 602-553-0000 for a free, confidential consultation.
The insurance company is already working against you. One missed step could cost you everything. Take control now, before it’s too late.