Driving in Arizona comes with risks, including the possibility of being involved in an accident with an uninsured or under insured driver.
While Arizona law mandates that all drivers carry liability insurance, not everyone follows the rules.
To protect yourself, it’s crucial to understand how Uninsured Motorist (UM) and Under insured Motorist (UIM) coverage work and why they are essential for Arizona drivers.
What is Uninsured Motorist (UM) and Under insured Motorist (UIM) Coverage?
UM coverage compensates for bodily injuries sustained in an accident where the at-fault driver lacks liability insurance. Similarly, UIM coverage applies when the at-fault driver’s insurance cannot cover your injuries.
In Arizona, while UM and UIM coverage is not mandatory, insurers must legally offer them to policyholders. Drivers must explicitly reject UM/UIM coverage in writing if they choose not to carry it.
It’s important to note that UM and UIM coverage applies specifically to bodily injury and does not automatically include property damage. If you want protection for vehicle repairs caused by an uninsured driver, Uninsured Motorist Property Damage (UMPD) coverage may be an additional option.
Arizona’s Minimum Liability Insurance Limits
As of July 1, 2020, Arizona increased its minimum liability insurance limits to:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $15,000 per accident for property damage
Disclaimer: These minimum liability insurance limits are subject to change and may vary based on legislative updates. It is recommended that you verify the most current requirements with the Arizona Department of Insurance and Financial Institutions (DIFI) or consult with an insurance professional.
If your existing UM/UIM coverage is below these new minimums, your insurer should have automatically adjusted your coverage and premiums to comply with the updated limits. While you can modify your coverage levels anytime, Arizona’s minimum allowable UM/UIM coverage is now 25/50.
Why UM and UIM Coverage Matter in Arizona
According to statistics, many Arizona drivers either carry the bare minimum or no insurance. Without UM/UIM coverage, you could be left paying out-of-pocket for medical bills, lost wages, and other damages if an uninsured or under insured driver causes an accident.
Here’s how UM/UIM coverage can help you:
- Covers medical expenses for you and your passengers
- Provides financial security if the at-fault driver cannot pay
- Covers lost wages if you’re unable to work due to your injuries
- Offers additional peace of mind, knowing you’re protected on the road
How to File a UM/UIM Claim in Arizona
If you’re in an accident caused by an uninsured or under insured driver, you must notify your insurer in writing of your intent to pursue a UM or UIM claim.
Arizona law requires that you submit this notice within three years of the accident date. Failing to meet this deadline may result in your claim being denied.
Here’s what to do after an accident:
- Report the accident to law enforcement and obtain a police report.
- Gather evidence, including witness statements and photos of the scene.
- Seek medical attention for any injuries sustained.
- Notify your insurance provider as soon as possible to begin the claims process.
- Consult an attorney if your insurer disputes or denies your claim.
Protect Yourself with the Right Coverage
Given the risks of uninsured and under insured drivers in Arizona, having adequate UM and UIM coverage is a proactive step toward protecting yourself financially. Without these coverages, you could incur substantial expenses after an accident.
At Wesbrooks Law, we understand the complexities of Arizona’s insurance laws and are here to assist you. If you have questions about your policy, need help filing a claim, or are facing an insurance dispute, contact us today at wesbrookslaw.com/contact-us/ or call (602) 262-4357 for a FREE consultation.
Don’t wait until it’s too late—ensure you have the right coverage and protect yourself on Arizona’s roads today.