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Phoenix Uninsured Motorist Accident Lawyer

If you’ve been hit by an uninsured motorist (UM) or underinsured motorist (UIM) in Phoenix, you’re probably feeling uncertain about the future. How will you cover your medical bills, vehicle repairs, or lost wages? Can you even hold the at-fault party accountable?

A Phoenix uninsured motorist accident lawyer from Gallagher & Kennedy can help you untangle this mess and find a way forward. Our team understands the challenges you’re dealing with and is committed to fighting for the compensation you deserve.

Don’t wait to get the help you need. Contact our personal injury law firm online or at (602) 530-8400 for a free consultation to help you understand your rights and legal options for recovering compensation.

Phoenix Uninsured Motorist Accident Guide

Why Choose Our Uninsured and Underinsured Motorist Accident Lawyers in Phoenix?

It may feel like you don’t have a lot of good choices after an accident with an uninsured or underinsured driver. However, you do have a choice when it comes to seeking effective legal representation known for helping clients secure significant victories.

Accident survivors all over Phoenix choose Gallagher & Kennedy for:

  • Our deep understanding of Arizona insurance laws: Navigating the complexities of uninsured/underinsured motorist claims in Arizona requires both knowledge and experience. We’ll break down these laws in simple terms so you can focus on healing while we handle the details.
  • A results-focused approach: We have a track record of holding drivers and insurers accountable, helping our clients secure the compensation they need to move forward.
  • Personalized client support: Every case is personal to us. We genuinely care about your recovery and are here to guide you through every step of the process with compassion and clarity.

When you work with our Phoenix uninsured motorist accident lawyers, you’re not just hiring experienced legal support—you’re gaining a dedicated advocate who will go above and beyond to ensure your best interests are protected.

Are You Eligible for Compensation?

When an uninsured or underinsured motorist injures you, one of the biggest challenges is the realization that the at-fault driver simply doesn’t have the insurance to pay for the damages you’ve suffered.

Unfortunately, many assume they’re out of options and left to cover costs like medical bills, lost wages, and rehabilitation expenses alone. But that isn’t true. You may have legal pathways to recover compensation beyond limited insurance settlements.

Examples of how you can pursue recovery, even when the at-fault driver lacks adequate coverage, include:

  • Uninsured Motorist (UM) Coverage: If your insurance policy includes UM coverage, it can help cover your damages when the other driver has no insurance. This may be a critical safety net for medical expenses and other immediate costs until a lawyer can help you recover the full extent of damages in a personal injury lawsuit.
  • Underinsured Motorist (UIM) Coverage: When the driver at fault has some insurance coverage, but it’s far from enough to meet your needs, your UIM policy may help bridge the gap. This can help with ongoing treatment, lost income, and the long-term financial strain of your injuries while our lawyers work on recovering compensation from the at-fault driver or their insurance company.
  • Identifying Other Potential Payouts: Sometimes, additional avenues of compensation exist—whether it’s another liable party involved in the crash or policies you haven’t yet considered. Our uninsured/underinsured motorist accident attorneys will leave no stone unturned in helping you fight for the compensation you deserve.

Even with these potential options, many people find themselves in a frustrating battle with their own insurance companies. Policies, contracts, and fine print can all make it feel like the odds are stacked against you.

Our legal team’s job is to examine every angle of your case, identify all possible sources of compensation, and fight to recover what you need—not just for today but for the months or years of challenges that may lie ahead. You shouldn’t have to bear this burden alone; with our help, you won’t have to.

What Injuries Can a Phoenix Uninsured Motorist Accident Lawyer Help You Recover Compensation For?

The costs of addressing motor vehicle accident injuries often extend far beyond the initial accident, leaving victims struggling to make sense of how to move forward or, worse, overburdened by the unexpected cost of the accident.

Personal injury lawyers from Gallagher & Kennedy help clients pursue compensation for a wide range of injuries, including but not limited to:

  • Whiplash and neck injuries: What might seem like a minor ache after the accident can lead to chronic pain, limited mobility, and the need for months of physical therapy. Avoiding the legal fight to seek compensation could see you paying as much as $50,000+ in lifetime care costs.
  • Broken bones: Breaks or fractures can prevent you from working or managing basic daily tasks, potentially leading to lost wages, surgical expenses, and rehabilitation fees. With the cost to treat a broken bone potentially exceeding $20,000+ per break, having a lawyer fight for compensation could save you from financial stress later down the road.
  • Traumatic brain injuries (TBIs): A TBI can have invisible yet devastating effects on your memory, emotions, or ability to concentrate. These injuries often require extensive evaluations, long-term therapy, and, in severe cases, lifelong assistance—all of which can cost millions of dollars over a lifetime.
  • Spinal cord injuries or paralysis: These catastrophic injuries affect every aspect of your life, from mobility to emotional well-being. The costs of care, adaptive equipment, and home modifications can total hundreds of thousands of dollars in upfront costs and millions more in lifetime expenses.
  • Burns or lacerations: Serious burns or deep cuts may leave lasting scars and require treatments like skin grafts, cosmetic surgery, or ongoing wound care. It takes time to realize the medical needs of these injuries, and failing to pursue fair compensation immediately after the accident could leave you with incredible medical expenses.
  • Soft tissue injuries: Torn ligaments or damaged muscles might seem insignificant at first but can drastically affect your physical capabilities and require continued medical treatment for years. Waiting too long to seek compensation with the help of an uninsured car accident lawyer can mean the difference between financial recovery and ruin.

Don’t assume there is nothing you can do to recover compensation for injuries caused by a negligent and uninsured driver in Phoenix. Contact the underinsured motorist accident attorneys from Gallagher & Kennedy today to discuss your legal options during a free case evaluation.

How Much Is My Motor Vehicle Accident Claim Worth?

Every case is unique, but the types of compensation typically fall into two main categories—economic and non-economic damages.

Economic Damages

These tangible or easily calculated damages and losses aim to cover expenses that directly impact your immediate and future financial stability:

  • Medical Expenses: Initial hospital bills are only the beginning. Physical therapy, prescription medications, specialist visits, and even transportation to appointments can add tens or hundreds of thousands of dollars to your medical expenses.
  • Lost Wages: Missing work while recovering from injuries can devastate your household income. For those with long-term disabilities, reduced earning capacity or the need for retraining in a new field can carry an even greater financial burden.
  • Property Damage: Repairing or replacing your vehicle and any other damaged property isn’t cheap. Even minor repairs can cost thousands, and replacing a totaled car is an incredible financial strain without fair compensation.

Your financial recovery should never rely on a lowball offer from an at-fault driver’s insurer. A seasoned Phoenix personal injury lawyer ensures every penny of your economic hardships is accounted for so you can focus on restoring your life.

Non-Economic Damages

Non-economic damages account for the life-altering emotional and mental toll an accident can take on you and your loved ones. These might not show up on a bill, but they’re no less significant:

  • Pain and Suffering: The chronic pain and suffering you experience during recovery—or for the rest of your life—deserve recognition and compensation.
  • Emotional Distress: Severe accidents can lead to anxiety, depression, or PTSD, affecting how you interact with the world and the people around you. These emotional and psychological effects could be eligible for compensation.
  • Loss of Enjoyment: Losing the ability to engage in hobbies, sports, or even simple daily pleasures due to injuries can feel like losing part of one’s identity. Personal injury claims can account for this diminished quality of life.

While these damages can’t undo what happened, they can provide the resources needed to help you cope, rehabilitate, and rebuild your quality of life. Partnering with a Phoenix uninsured motorist accident attorney gives you a chance to recover financially and ensures the emotional weight of the accident is addressed.

How Can a Phoenix UM/UIM Motorist Accident Lawyer Help?

Pursuing compensation after an uninsured motorist accident in Phoenix can feel like navigating a maze. Here’s how an attorney can help simplify and strengthen your personal injury claim or lawsuit:

  • Thorough case analysis: A skilled lawyer will analyze the accident circumstances, help gather evidence, and demonstrate the extent of liability to support your claim. This includes examining police reports, medical documents, and witness statements.
  • Negotiations with insurers: Insurance companies rarely rush to pay out personal injury claims. An attorney ensures your claim is backed by evidence and negotiates aggressively to maximize your compensation.
  • Meeting critical filing deadlines: Arizona has a strict statute of limitations for filing personal injury claims. If you miss these deadlines, you could lose the right to compensation. A lawyer will track these dates and take action on time so that you can recover fair compensation for the harm you’ve suffered.

By partnering with an attorney as soon as possible after the crash, you eliminate much of the stress of handling a claim independently. Learn how Gallagher & Kennedy can help in the legal process by scheduling a free case evaluation today.

Phoenix Uninsured and Underinsured Motorist Accidents FAQs

What if my own insurance company denies my uninsured motorist claim?

When insurers deny or delay claims, it’s often to protect their profits. A lawyer can handle negotiations, provide evidence of losses, and push your insurer to honor your policy. With legal support, you’ll have someone fighting for the compensation you’re owed.

What evidence can help support my case?

Strong evidence builds a powerful case. Key examples include police reports, medical records, photos of the accident scene, testimony from witnesses, and proof of financial losses, like medical bills or missed paychecks. A lawyer from Gallagher & Kennedy can help you gather and organize this evidence to present a compelling claim for compensation.

What compensation is available if the uninsured driver caused the wrongful death of a loved one?

Compensation in wrongful death cases can cover funeral costs, medical expenses, lost income your loved one provided, and the emotional toll of their loss. A compassionate wrongful death attorney from our firm can guide you through this challenging time and fight for the resources your family needs to move forward.

How long does it take to receive a personal injury settlement?

The timeline varies based on case complexity, the strength of evidence presented, and the negotiation process with insurers. Our uninsured auto accident lawyers in Phoenix will work to resolve your case efficiently without sacrificing the compensation you deserve.

How much does it cost to hire an uninsured motorist accident lawyer in Phoenix?

At Gallagher & Kennedy, we work on a contingency fee basis. This means you don’t pay upfront—your lawyer only earns a fee if they secure compensation for you. This risk-free approach makes it easier to get the legal help you need without financial stress.

Gallagher & Kennedy | Phoenix Uninsured and Underinsured Motorist Accident Lawyers Ready To Help You Fight For Compensation

Navigating a claim after being injured by an uninsured or underinsured driver may feel like an uphill battle. You’re dealing with medical bills, lost income, and the uncertainty of what comes next—all while trying to recover physically and emotionally.

We’re here to help. Our team of Phoenix uninsured motorist accident lawyers is dedicated to fighting for your fair compensation and ensuring you don’t have to face this process alone.

Contact our law firm online or at (602) 530-8400 to schedule a free case evaluation and begin the fight for the compensation you deserve.

Client Testimonial

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Gallagher & Kennedy — Phoenix Office

2575 E Camelback Rd, Suite 1100
Phoenix, AZ 85016
Tel:(602) 530-8400

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