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Speak With a Phoenix Uninsured Motorist Accident Lawyer Today
Not every driver on Phoenix roads carries adequate insurance coverage—and when an uninsured or underinsured driver causes a serious accident, victims are often left wondering how they will pay for medical care, lost income, and other damages. These cases can be legally complex and frustrating, especially when insurance companies resist paying valid claims. If you were injured by an uninsured or underinsured driver, working with an experienced Phoenix uninsured motorist accident lawyer can help you pursue the compensation you deserve.
At Farar & Lewis, we offer free consultations to accident victims throughout Phoenix. Our legal team understands how to navigate uninsured and underinsured motorist claims and is ready to advocate for you.
Call us today to speak with someone immediately about your case at (602) 883-2633.
What Is an Uninsured or Underinsured Motorist Accident?
An uninsured motorist (UM) accident occurs when a driver causes a crash but has no auto insurance. An underinsured motorist (UIM) accident happens when the at-fault driver’s insurance coverage is insufficient to fully cover the victim’s damages.
These situations commonly arise when:
- Drivers carry only minimum insurance
- Drivers allow policies to lapse
- Drivers are operating vehicles illegally
- Hit-and-run drivers are never identified
Even responsible drivers can suffer financial hardship when hit by someone without adequate insurance.
Why Uninsured Motorist Accidents Are So Challenging
Uninsured and underinsured motorist cases can be difficult because victims are often forced to rely on their own insurance policies for compensation.
Challenges include:
- Insurance companies disputing UM/UIM claims
- Policy exclusions and coverage limits
- Delays in claim processing
- Attempts to undervalue injuries
Although the claim is made against your own insurer, they still act to protect their bottom line.
Arizona Uninsured Motorist Insurance Requirements
Arizona law requires insurance companies to offer uninsured and underinsured motorist coverage to drivers. While drivers may decline this coverage, those who carry it often have a crucial safety net after serious accidents.
UM/UIM coverage may apply to:
- Medical expenses
- Lost wages
- Pain and suffering
- Wrongful death damages
Understanding how your policy applies is key to maximizing recovery.
Common Causes of Uninsured Motorist Accidents in Phoenix
Uninsured and underinsured drivers often engage in risky behavior. Common contributing factors include:
- Driving under the influence
- Speeding or reckless driving
- Distracted driving
- Driving without a valid license
- Hit-and-run behavior
These drivers are often unable—or unwilling—to compensate victims adequately.
Injuries Commonly Caused by Uninsured Motorist Accidents
Injuries from uninsured motorist accidents are often severe, especially when reckless driving is involved.
Common injuries include:
- Traumatic brain injuries (TBIs)
- Spinal cord injuries
- Broken bones and fractures
- Neck and back injuries
- Internal organ damage
- Soft tissue injuries
- Wrongful death injuries
Many victims require extensive medical treatment and long-term care.
How Uninsured Motorist Claims Work
When an uninsured or underinsured driver causes an accident, your own UM/UIM policy may step in to cover damages. However, insurers often require extensive documentation.
Evidence may include:
- Police accident reports
- Proof of the at-fault driver’s lack of insurance
- Medical records and bills
- Wage loss documentation
- Expert testimony on injury severity
A Phoenix uninsured motorist accident lawyer ensures your claim is properly documented and pursued.
Compensation Available Through UM/UIM Claims
Victims may be entitled to compensation similar to that available in standard personal injury claims.
Economic Damages
- Emergency medical treatment
- Hospitalization and surgeries
- Ongoing medical care
- Rehabilitation and therapy
- Lost wages
- Loss of future earning capacity
Non-Economic Damages
- Pain and suffering
- Emotional distress
- Loss of enjoyment of life
- Permanent disability or impairment
Policy limits may affect total recovery, but legal advocacy can help maximize available benefits.
Why Insurance Companies Dispute UM/UIM Claims
Insurance companies often challenge uninsured motorist claims by arguing:
- The at-fault driver was not fully responsible
- Injuries were pre-existing
- Medical treatment was unnecessary or excessive
- Policy exclusions apply
An experienced Phoenix uninsured motorist accident lawyer counters these tactics and negotiates aggressively on your behalf.
How Farar Law Group Handles Uninsured Motorist Accident Cases
At Farar Law Group, we understand how stressful uninsured motorist claims can be. Our legal team works diligently to ensure clients receive the full benefits they are entitled to under their policies.
We focus on:
- Reviewing insurance policies in detail
- Gathering and preserving evidence
- Communicating directly with insurers
- Accurately calculating damages
- Filing lawsuits when insurers act in bad faith
We work on a contingency fee basis, meaning you pay nothing unless we recover compensation for you.
Arizona’s Statute of Limitations for Uninsured Motorist Claims
Most personal injury claims in Arizona must be filed within two years of the accident date. UM/UIM claims may also have contractual notice deadlines specified in insurance policies.
Acting quickly helps protect your legal rights and preserve evidence.
Call Farar Law Group After an Uninsured Motorist Accident in Phoenix
If you were injured by an uninsured or underinsured driver, you deserve fair treatment and full compensation—not resistance from insurance companies.
Contact Farar Law Group today for a free, no-obligation consultation with a Phoenix uninsured motorist accident lawyer. We are ready to fight for your rights and help you move forward.
Sources
- Arizona Department of Insurance – Uninsured Motorist Coverage
https://difi.az.gov - National Highway Traffic Safety Administration – Uninsured Drivers
https://www.nhtsa.gov - Insurance Information Institute – UM/UIM Coverage
https://www.iii.org
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