Finding out that the driver who hit you has no insurance can add a second problem to an already difficult car accident. You may have injuries and bills that would ordinarily be covered by the at-fault driver’s insurer, only to discover there is no liability policy available to pay them.
AJ Law, PLC helps accident victims in Glendale, Arizona, pursue compensation when the usual source of insurance coverage is missing. With 20 years of experience and more than $50 million in recoveries, our Glendale car accident lawyers can examine your policy and determine what coverage may be available after an uninsured driver causes a crash when you call (602) 512-1280.
Your own insurance company may now be responsible for paying part of your claim, but that does not mean you have to navigate the process alone. The firm offers a free consultation, and our contingency fee arrangement means you pay attorney fees only after a successful recovery.
How Can AJ Law, PLC Help After an Uninsured Motorist Accident in Glendale, Arizona?
An uninsured motorist claim puts you in an unusual position. You are seeking benefits through a policy you purchased for your own protection, while your insurer still has an interest in controlling how much it pays. Disagreements can arise over fault, the seriousness of an injury, or the value of the losses. A Glendale personal injury lawyer at AJ Law, PLC can handle the claim on your behalf.
After an accident in Glendale, AZ, we can take care of work such as:
- Confirming the other driver’s insurance status
- Reviewing your uninsured motorist coverage
- Collecting evidence of fault
- Documenting your medical treatment
- Calculating lost income
- Evaluating future financial losses
- Responding to disputed or undervalued claims
- Negotiating with your insurance carrier
Having an established relationship with an insurance company does not require you to accept its assessment of your claim. We can advocate for the benefits you purchased and challenge an insurer when its position does not reflect the evidence.
Reach out today to schedule a free consultation with a Glendale personal injury attorney.
What Causes Uninsured Motorist Claims?
The conduct that causes an uninsured motorist accident is often no different from negligence in any other collision. The insurance issue emerges afterward, when the injured person learns that the responsible driver did not have coverage.
These claims can arise from accidents involving:
- Distracted driving
- Speeding
- Red-light violations
- Unsafe turns
- Failure to yield
- Following too closely
- Impaired driving
- Reckless lane changes
An expired or canceled insurance policy can leave an at-fault driver uninsured even if that person previously carried coverage. AJ Law, PLC can verify the available policies and determine whether uninsured motorist benefits provide another source of recovery.
What Injuries Commonly Occur in Uninsured Motorist Accidents?
A driver’s lack of insurance has no relationship to the severity of the collision. Someone struck by an uninsured motorist can suffer the same painful and disabling injuries as a person involved in any serious Glendale car accident.
Those injuries may include:
- Concussions
- Herniated discs
- Broken wrists
- Knee injuries
- Shoulder damage
- Internal injuries
- Facial scarring
- Spinal cord injuries
An insurer may examine whether treatment was necessary or whether symptoms resulted from the collision and not another incident. Medical records, diagnostic testing, and evidence showing how an injury has affected work and daily activities can help demonstrate the actual consequences of the crash.
What Compensation Is Available to Me?
Uninsured motorist coverage is intended to provide protection when an at-fault motorist lacks liability insurance. What can be recovered depends on the policy, the injuries, the available coverage limits, and the losses caused by the accident.
A claim may seek compensation for:
- Emergency treatment
- Pain and suffering
- Lost wages
- Physical therapy
- Reduced earning ability
- Surgery costs
- Emotional distress
- Future medical care
- Permanent impairment
AJ Law, PLC can review the policy language and value the claim before negotiating with the carrier. That gives you a basis for evaluating an offer rather than relying solely on the insurer’s calculation of what your injuries are worth.
How Long Do I Have To File a Lawsuit?
The deadline in an uninsured motorist matter depends on both Arizona law and the insurance policy involved. Arizona typically applies a two-year statute of limitations to lawsuits for personal injuries, but a claim involving contractual insurance benefits can raise additional timing and notice issues.
That distinction is important because an uninsured motorist case does not follow the same path as a more common claim against an insured driver. AJ Law, PLC can review when the accident occurred, the status of the other motorist’s coverage, and the terms of your policy to determine what must be done and when.
Speak With an Uninsured Motorist Lawyer in Glendale, Arizona
You paid for insurance so that coverage would be there when you needed it. Discovering that the person who caused your accident in Glendale, AZ, was uninsured should not prevent you from exploring the protection available under your own policy.
AJ Law, PLC can review your coverage, assess your accident-related losses, and deal with the insurance company on your behalf. If benefits are available, we can pursue the amount supported by the facts rather than leaving the insurer’s initial position unchallenged.
Contact the firm today to schedule a free consultation with a Glendale car accident attorney.
