Being hit by an uninsured driver can leave you with medical bills and other losses, even though someone else caused the crash. When the at-fault driver has no liability insurance, uninsured motorist coverage may provide another source of compensation.
At AJ Law, PLC, our attorneys can review your policy and determine whether uninsured motorist coverage applies to the accident. We can also examine the evidence needed to establish the other driver’s fault and the value of the injuries caused by the crash.
We offer a free consultation with a Tucson, AZ uninsured motorist claims lawyer when you call (602) 512-1933. We handle these claims on a contingency fee basis, so you do not pay attorney fees upfront. We are paid only if we recover compensation for you.
How Can AJ Law, PLC Help With an Uninsured Motorist Claim in Tucson, Arizona?
An uninsured motorist claim in Tucson, AZ, is made under your own insurance policy, but that does not mean payment is automatic. Your insurer can still examine fault, challenge the extent of your injuries, or dispute whether the policy covers the accident. AJ Law, PLC brings more than 20 years of combined experience and over $110 million in recoveries for injured clients.
Our Tucson car accident lawyers can address the parts of the claim that determine what coverage and compensation may be available:
- Reviewing the policy language and applicable coverage limits
- Establishing that the uninsured driver caused the collision
- Documenting injuries and financial losses connected to the crash
- Responding to disputes raised by the insurance carrier
- Evaluating other policies that may apply to the accident
We use the policy and the crash evidence together rather than treating the insurance claim as a paperwork exercise. That approach helps us identify coverage issues early and support the amount our client is seeking.
Reach out today to schedule a free consultation with a Tucson personal injury attorney from our team.
What Are Arizona’s Insurance Requirements?
Arizona requires drivers to maintain liability insurance to cover injuries and property damage they cause in an accident. The minimum limits are $25,000 for bodily injury to one person, $50,000 for bodily injury to two or more people in one accident, and $15,000 for property damage.
Insurance companies must also offer uninsured motorist coverage when issuing an auto liability policy in Arizona. Drivers can reject this coverage in writing. If you purchased uninsured motorist coverage, it may provide compensation when a driver without liability insurance causes an accident.
What Happens if the Driver Who Hit You Does Not Have Insurance?
If an uninsured driver causes your accident, recovering compensation directly from that driver may be difficult. However, you may have other options depending on your insurance policy and the circumstances of the crash.
If you have uninsured motorist coverage, you can generally make a claim with your own insurance company for covered losses caused by the uninsured driver. You will still need to establish the other driver’s fault, your damages, and that the accident falls within the terms of your policy.
Other insurance coverage may also apply in some cases. A Tucson car accident attorney can review the available policies and circumstances of the accident to determine what sources of compensation may be available.
Common Challenges in Uninsured Motorist Claims
Filing a claim with your own insurance company does not guarantee that the claim will be paid without a dispute. Some common challenges that can arise include:
- Disputes over who caused the accident
- Questions about whether uninsured motorist coverage applies
- Disagreements over the severity or cause of your injuries
- Disputes over the value of medical expenses, lost income, and other damages
- Questions about whether another insurance policy applies
- Disagreements over the amount of available coverage
These issues can affect whether benefits are available and how much compensation you may recover through an uninsured motorist claim.
How Long Do I Have To File a Lawsuit?
Arizona has specific deadlines for uninsured motorist claims. Generally, you must provide your insurer with written notice of your intent to pursue uninsured motorist benefits within three years after the accident. Different timing rules may apply if you do not learn that the at-fault driver is uninsured until later.
Additional deadlines also apply if the claim proceeds to arbitration or a lawsuit against the insurer. Because these deadlines can vary based on the circumstances, it is important to determine which ones apply to your claim.
Speak With an Uninsured Motorist Lawyer in Tucson, Arizona
In Tucson, AZ, uninsured motorist coverage still requires proof of fault, damages, and the right to benefits under the policy. An attorney from AJ Law, PLC can evaluate your policy, investigate the crash, and handle communications with the insurer while you focus on your recovery.
Contact the firm today for a free consultation with our Tucson uninsured motorist claims attorneys.
