Uninsured Motorist Coverage
According to the Insurance Research Council, one in seven drivers in the United States is uninsured.
At Hirsch & Lyon Accident Law, we are unable to handle a case unless there is either liability or uninsured motorist coverage. If an uninsured driver causes you injury or property damage, your recourse will be to sue them personally in order to recover your expenses.
Good luck with that! A much better option is to purchase along with your mandatory liability coverage, uninsured motorist (UM) protection.
In the event of an accident involving an uninsured automobile, this coverage will cover you, your passengers and anyone in your household that is a blood relative for:
Medical expenses, pain and suffering, emotional distress and lost wages.
It does not cover the damage to your automobile. Collision coverage would be required in order to reimburse you for damage to your car. Uninsured motorist coverage will also cover you if you are involved in a hit and run accident or whenever the at-fault driver is unknown.
This coverage can also protect you outside your car. If an uninsured motorist strikes you while walking down the street or riding your bike, you will be covered as long as you can prove the uninsured motorist was at fault.
While purchasing UM, you will need to decide how much to buy. Under Arizona law, your insurance company must offer you an amount no less than your liability limits.
The limits start at $15,000.00 coverage per person and can exceed $1,000,000.00 given the high cost of medical care, the minimum is rarely adequate to cover a major injury.
Compared to the cost of liability insurance, UM is much less expensive.
Having uninsured motorist coverage is definitely worth the extra price and may prevent you from having to pay thousands of dollars in medical expenses for an accident that was not your fault.