Phoenix Uninsured or Underinsured Accident Lawyer

Not all drivers obey the laws in Arizona. Some negligently fail to purchase or maintain the correct amounts of insurance – leading to confusing questions of liability after accidents. If you were recently in a vehicle collision with an uninsured or underinsured at-fault driver, your pursuit of financial compensation may require unique processes and expertise. The Phoenix car accident lawyers at Gallagher & Kennedy can help you fight for financial recovery after a collision with an uninsured or underinsured party in Arizona.

Why We Are Right for You

  • Our firm has helped accident victims in Arizona and around the country for decades. We have the experience you need for a successful insurance claim or lawsuit.
  • Our firm has immense resources as the sixth-largest law firm in the state, yet we always dedicate personal attention to each case.
  • Our lawyers take clients on a contingency fee basis. You will only pay our service fees if we secure you a compensation award.

When Do You Need a Phoenix Underinsured Accident Attorney?

Not all car accident cases in Arizona require assistance from a law firm. If your car accident only involved minor injuries or the other driver has enough car insurance to cover your losses, you can most likely achieve a satisfactory settlement on your own. If, however, your crash case involves complex factors such as catastrophic personal injuries, a criminal driver, or an uninsured/underinsured motorist, hiring an attorney could be in your best interest. An attorney from Gallagher & Kennedy can protect you from insurance bad faith practices during a claim.

Arizona Car Insurance Laws

Arizona is a “fault” insurance state, meaning insurance companies only pay car accident claims if it can be shown that their insured driver is at fault. The driver or party most at fault for causing the collision will be the one responsible for the damages. Every driver in Arizona must carry adequate car insurance with minimum policy limits of at least:

  • $15,000 per person and $30,000 per accident ($25,000/$50,000 starting July 1, 2020) in bodily injury liability insurance.
  • $10,000 ($15,000 starting July 1, 2020) in property damage liability coverage.

Driving without adequate insurance is a crime in Arizona. A driver could face a traffic ticket, fines and temporary suspension of the driving privilege for operating a vehicle without enough insurance. An accident involving an uninsured or underinsured drivers could lead to a more complicated insurance claim and potentially the need to file a personal injury lawsuit.

How To Handle an Uninsured or Underinsured Accident

If an uninsured or underinsured person causes your accident, or if you are the victim of a hit-and-run accident, the at-fault party may not be able to reimburse you for your medical bills or property damage repairs. Your next step toward compensation will be filing a claim with your insurance provider. Your uninsured/underinsured motorist insurance should pay for your damages if the at-fault driver cannot.

You may encounter issues if your insurance company denies liability for your accident, tries to blame you for the collision or if your policy does not contain enough coverage for the full amount of your losses. In these cases, a personal injury lawsuit against a negligent or reckless party could be the best course of action to obtain compensation for serious injuries.

You may be able to bring a lawsuit against the individual responsible for causing your accident or third parties such as a company, the government or a product manufacturer. The Phoenix personal injury lawyers at Gallagher & Kennedy can investigate your specific accident case for the four elements of a lawsuit: duty, breach of duty, causation, and damages. If these elements are present, your attorney can help you with litigation in the pursuit of damage recovery.

Contact a Phoenix Uninsured Accident Lawyer

Suffering a serious personal injury in an accident involving an uninsured or underinsured individual can be confusing. Get counsel you can trust from a Phoenix underinsured accident lawyer at Gallagher & Kennedy. Our attorneys are in the business of helping injured victims seize opportunities and overcome obstacles – including lack of proper insurance. We can protect your rights and fight for fair compensation with zero upfront attorneys’ fees. Call (602) 530-8400 today.

Read Our Statement on Recent Events