Accidents Involving Uninsured Motorists

Accidents Involving Uninsured Motorists

Whether it’s coping with long-term physical injuries or dealing with financial difficulties, injured victims of car accidents are forced into difficult situations in order to pick up the pieces. Negotiating with insurance companies can arguably be the most difficult part of a serious car accident. Furthermore, if an at-fault driver doesn’t have insurance, things become that much more complicated.

If you’ve sustained injuries in a car accident in Arizona and want to file a claim, contact the Phoenix car accident lawyers at ELG Law. Our team of auto accident lawyers is here to help you safeguard your legal rights.

Uninsured Motorists

Many motorists don’t have enough insurance or are completely uninsured, leaving other drivers in an accident to file with their own insurance companies. This situation leaves a gap of uncertainty for the driver who’s not at fault. 

In no-fault states, injuries claims are usually handled by each individual’s own auto insurance carrier. However, some no-fault states have a threshold of damages. If this threshold is exceeded, another driver can bring a claim against the at-fault driver.

Arizona is a fault-based state, meaning that an accident victim has to prove fault on the person who caused an accident.

Gather the Facts

The easiest way to ensure success for your claim is to stick to the facts after an accident. Note the extent of your injuries, as well as any long-term or physical effects. Document the damage to your car.

Furthermore, make sure you take note of any other financial impact after a crash. It is helpful to collect and organize medical receipts and evidence of lost wages. If you sustained injuries in a wreck with an underinsured motorist, provide these details to that driver’s insurer so that it’s clear you weren’t at fault.

If you sustained injuries in an accident with an uninsured motorist, these details will be vital for a future claim.

Record All Information

Throughout this process, ensure you get everything in writing. You should get any insurer statements in writing, either from your own insurance company or another motorist’s insurance company. Once you’ve organized the facts of your case, it should be clear that you weren’t responsible for your accident. 

Again, if the at-fault driver has no auto insurance, you can make an injury claim against your own auto insurance carrier. As long as you purchased uninsured motorist coverage, your claim will be covered.

And if the at-fault driver doesn’t have insurance, you may be able to make a subsequent claim against them in court.

Car Accident Lawyers in Phoenix

The best way to ensure your accident claim is successful is to consult with a knowledgeable Phoenix-based lawyer after an accident. Your lawyer will help you organize the facts of your case and act as a liaison to insurance companies. Collaborating with your attorney on these issues will help make your recovery process as stress-free as possible after an accident.

Contact our Phoenix injury lawyers at ELG Law today at (623) 877-3600 for a free consultation.