Getting hit by an uninsured driver can be frustrating, especially when you are not sure if you can get compensated. While your insurance policy can cover some of your damages, some accidents are so devastating that they can’t cover the repair of your vehicle. This is also true for catastrophic injuries that result in costly medical bills. In such cases, consulting a DUI lawyer in Scottsdale, AZ can help you understand your legal options and seek the compensation you deserve.
Speak with an experienced car accident attorney in order to understand the best path forward after an accident with an uninsured motorist. A car accident lawyer will be able to review your case and provide guidance about available options for recovering compensation for your damages.
What Happens If the At-Fault Party Doesn’t Have Car Insurance?
If the at-fault party does not have car insurance, you will likely be stuck with the costly damages related to your accident. This is because the costs of your damages may go beyond that of your policy coverage. In Arizona, there are a variety of options available to victims of uninsured motorist accidents:
File A Claim Against Your Own Insurance Policy
Arizona law requires all drivers to have a minimum of $25,000 per person for uninsured motorist bodily injury coverage. This should include $50,000 per accident in underinsured motorist bodily injury coverage. If your damages are beneath this amount, you’ll be covered by your insurance policy. It may be possible to file a claim against your own insurance policy if you were not at fault for the accident. If this is an option in your state, check with your insurer to learn more about coverage and potential filing requirements.
Small Claims Court
If the damage from your accident is relatively minor, you may have the option to pursue a civil case in small claims court. In this scenario, you would be able to present your evidence and try to prove that the at-fault party was financially responsible for your damages. However, if your case involves any criminal elements, consulting a criminal lawyer in Phoenix, AZ may be necessary to ensure proper legal representation. Your attorney will likely need to gather significant evidence and document the costs associated with your accident.
File Suit Against the At-Fault Party
When the damage from your accident is significant, you may have the option to file a suit against the at-fault party in civil court. This route can be expensive and difficult, but it will be easier with your attorney’s help. It also may be necessary to recover compensation for your damages.
How to Get Uninsured Drivers Insurance Coverage
When purchasing car insurance, you will have the option to add uninsured drivers’ coverage. This type of insurance can help protect you in the event that someone without car insurance causes an accident with your vehicle.
In addition to speaking with an attorney, there are other steps you can take to ensure you are properly protected if involved in a collision with an uninsured motorist. Be sure to check with your state’s Department of Motor Vehicles for more information about uninsured drivers coverage and any other applicable laws. It is also important to review your car insurance policy on a regular basis and make sure you have an adequate amount of coverage in the event of an accident.
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