Motorists in Arizona are all required to have an automobile liability insurance policy. That way, should they be the responsible party in an accident, their victims will be able to receive compensation for any damage they have suffered, including property damage, costs or vehicle repairs, lost wages, medical expenses, as well as compensation for pain and suffering, without needing to make a claim with their own insurer.
Arizona law requires every driver to have liability coverage meeting certain minimal amounts. Currently, these are $10,000 per accident for property damage, plus $15,000 per person, up to a total of $30,000 per accident for bodily injuries.
Even though this practice is against the law, some motorists in Arizona still drive cars or motorcycles without having liability insurance. While the exact numbers are difficult to measure, estimates show that close to 14 percent of all drivers around the nation have no insurance whatsoever. If you're involved in a collision with one of these drivers while you ride your motorcycle, you may find it difficult to obtain any compensation for property damage or injuries, even if the uninsured driver was completely at-fault.
Given that motorcycle accidents typically result in far more severe injuries than those involving two passenger cars, you may face large medical bills. If you've been struck by an uninsured motorist in Arizona, you should quickly contact an experienced motorcycle accident lawyer for a case evaluation. Your lawyer can advise you on the best course of action to take in an effort to obtain compensation for any damages you've incurred.
The Importance of Uninsured Motorist Coverage
Uninsured motorist coverage is sometimes referred to as uninsured/underinsured (UM/UIM) coverage and is available as an option on motorcycle insurance policies. This additional coverage can be very helpful in case you're involved in an accident with a motorist who doesn't have insurance or if the value of the damage exceeds the coverage they hold.
Insurance companies typically let you choose the uninsured motorist coverage amount you prefer and they'll cover costs related to personal injury and property damage that the other motorist was responsible for up to that amount. Don't make the mistake of assuming that uninsured motorist coverage isn't necessary because insurance is mandatory in Arizona. The reality is, not all drivers on the road follow the rules. These same drivers rarely have any significant amount of assets, making it unlikely you'll be able to recover much if anything, even if you take them to court.
Filing a Claim If You Have Uninsured Motorist Coverage
If you were struck by an uninsured motorist that was found at-fault for the accident, it's always a good idea to get in touch with a specialist Arizona motorcycle accident attorney before you file your claim. Our attorneys at Solomon & Relihan offer a free consultation during which they'll go over your case and explain the process to you. Hiring an experienced attorney can also help ensure that you'll receive the maximum amount of compensation you're entitled to under your policy without undue delay.