Being hit by an uninsured driver can feel overwhelming. You’re left with damage, bills, and questions about what happens next. In Phoenix, this situation can seem especially daunting. Arizona requires drivers to have insurance, but not all comply. So, what do you do if you’re hit by an uninsured driver? First, prioritize your safety and health. Call the authorities and seek medical help. Next, consider your insurance options. Many drivers carry uninsured motorist coverage, which assists in these circumstances. This coverage helps manage medical and repair costs. If you lack this coverage, pursuing compensation from the uninsured driver may be an option. However, it can be challenging without legal help. Seeking guidance from a Phoenix car accident lawyer can provide clarity and support. They can help you navigate the process and explore all avenues for compensation. Knowing your rights and options helps you take control after an accident.
Understanding Uninsured Motorist Coverage
Uninsured motorist (UM) coverage offers a financial safety net. It steps in when the at-fault driver can’t cover the costs. This coverage includes bodily injury and property damage. If an uninsured driver hits you, your UM coverage can pay for medical expenses and vehicle repairs.
Your Next Steps After an Accident
- Contact the Police: Always report the accident. A police report helps document the incident.
- Get Medical Attention: Address injuries immediately. Your health is a priority.
- Gather Information: Collect details from the scene. This includes photos, witness contact information, and the other driver’s details.
- Notify Your Insurance: Inform your insurance company about the accident promptly.
How Arizona Law Impacts You
Arizona law mandates minimum liability insurance. Yet, many drivers ignore this requirement. The state uses a comparative fault system. This means you can claim damages even if you are partially at fault, but your compensation will be reduced by your percentage of fault.
Financial Implications of Uninsured Drivers
Being hit by an uninsured driver can strain your finances. Without UM coverage, you might face significant costs. Here’s a look at potential expenses:
| Expense Type | Possible Cost |
| Medical Bills | $5,000 – $50,000+ |
| Vehicle Repairs | $1,000 – $20,000+ |
| Legal Fees | $2,000 – $10,000 |
Exploring Legal Help
Even with UM coverage, you may need legal assistance. A Phoenix car accident lawyer can guide you. They help negotiate with insurance companies and pursue claims against the uninsured driver. Their expertise ensures you understand your rights.
Protecting Yourself and Your Family
Consider adding UM coverage if you don’t have it. This choice protects you and your family. It provides peace of mind and financial security. Always review your policy to understand your coverage levels.
Conclusion: Taking Control
Accidents with uninsured drivers are stressful. Yet, preparation can make a difference. Know your insurance and legal options. Prioritize safety and seek help when needed. By acting swiftly and confidently, you’ll manage the aftermath of an accident effectively.