Uninsured/Underinsured Motorist Claims
When you purchase a policy of insurance to cover your vehicle, you are provided with many optional coverages. Two of the most important, and often sold together for minimal cost, are Uninsured and Underinsured Motorist Coverage. Arizona law requires every vehicle to carry liability coverage, i.e. coverage for injuries and damages caused to another. However, not everyone chooses to abide by that law.
According to the Insurance Information Institute, over ten percent of Arizona drivers are operating their vehicle without required insurance. See, http://www.iii.org/fact-statistic/uninsured-motorists. What that means is that if you are involved in an automobile accident caused by someone else, and they do not carry liability insurance, you may be on your own for the injuries you sustained due to someone else’s negligence. Uninsured motorist coverage will provide you with the security you need in the event you are injured by an uninsured driver.
Even more alarming is the fact that Arizona law currently only requires a minimum policy limit of $15,000 per person and $30,000 per accident to cover injuries caused to another. That means that, even if the other driver has insurance, they are only required to carry enough coverage to compensate you up to $15,000.00.
With the high and rising cost of healthcare, medical expenses often far exceed the mandatory minimum policy limits required in Arizona. Underinsured motorist coverage will protect you in the event you are injured in an automobile accident by someone who does not have sufficient insurance to pay for your injuries.
What Does Uninsured and Underinsured Insurance Cover?
At Douglas F. Dieker, P.C., we can help you pursue your Uninsured and Underinsured Motorist claim. Additionally, because this is coverage provided by a policy you have purchased from your insurance company, your insurance company owes you the same duties as found in a homeowner’s policy or business policy, including:
- Reasonably assessing the injuries you have sustained
- Making a fair offer to compensate you for the injuries sustained
- Timely communicating with you regarding your claim for injuries
- Not putting you through needless, adversarial hoops, such as Independent Medical Examinations or repeated recorded statements to prove your claim for damages
- Not low-balling an offer to compensate you for the claim made
If you find yourself in a position of making an uninsured or underinsured motorist claim, you need an attorney who is experienced in handling such matters and knowledgeable about the coverages provided in your policy and the duties of the insurance company in settling your uninsured or underinsured motorist claim.
Contact Douglas Dieker, P.C. Today
Douglas Dieker has nearly twenty years of experience in handling uninsured and underinsured motorist claims, and has reached many high-value settlements on behalf of his clients. And, when the insurance company fails to live up to its obligations, Douglas F. Dieker, P.C. is not afraid to fully pursue the insurance company by filing a lawsuit and vigorously pursuing your rights to make sure you are fully compensated for the injuries you have suffered.
Contact us immediately if you have suffered injuries by someone who is either uninsured or does not carry enough insurance to fully compensate you. We will provide you with a personal, caring approach to your claim, and we aren’t afraid to take the fight to the insurance company if that is what is necessary.
We handle uninsured and underinsured motorist claims on a contingent basis, so if we don’t recover anything for you, you do not owe us a fee. Call Doug now for your personal, free initial consultation, with no obligation or hassle.