If you’ve been in a car accident in Arizona and discovered the at-fault driver has no insurance or not enough coverage, you’re not alone. Many Arizona drivers are shocked to learn that their best protection may come from their own auto insurance policy, specifically, their Uninsured/Underinsured Motorist (UM/UIM) coverage.
UM/UIM coverage can make the difference between recovering fully or being left with thousands in unpaid medical bills, lost wages, and other damages. Understanding how it works and when to use it is critical.
With over 25 years of experience, Jeff GOULD Law is the Attorney in YOUR Corner. Our firm helps Arizona accident victims navigate these complex situations, enabling them to recover the compensation they deserve.
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What Is UM/UIM Coverage?
UM (Uninsured Motorist) and UIM (Underinsured Motorist) coverage are optional add-ons to your auto policy in Arizona, but highly recommended.
- Uninsured Motorist (UM): Applies when the at-fault driver has no insurance or cannot be identified (as in a hit-and-run).
- Underinsured Motorist (UIM): Applies when the at-fault driver’s liability limits are too low to cover your full damages.
For example, if you’re seriously injured in a crash and your damages total $75,000, but the other driver’s policy only covers $25,000 (Arizona’s minimum liability limit), your UIM coverage could help to pay the remaining $50,000 – depending on your policy limits.
Why UM/UIM Coverage Matters in Arizona
According to recent state data, roughly 12% of Arizona drivers are uninsured. Many others carry only the state minimum coverage, which is often far below the real cost of serious injuries. Without UM/UIM coverage, you could be left paying the difference out of pocket, even when the crash wasn’t your fault. Your own policy becomes your safety net.
It also applies in hit-and-run cases when the at-fault driver flees the scene and can’t be located. As long as the accident is promptly reported to the police and your insurance company, you may still qualify for UM coverage.
When and How to File a UM/UIM Claim
After any crash involving a driver who is uninsured, underinsured, or unknown, notify your insurance company immediately. Even though you’re filing with your own insurer, you still must prove:
- The other driver was at fault.
- You suffered real damages (medical bills, lost income, pain and suffering).
- The other driver was uninsured, underinsured, or unidentified.
Your insurer will investigate the accident just like they would for a third-party claim. Unfortunately, that doesn’t mean they’ll make it easy. Remember: your insurer’s goal is still to minimize payouts.
That’s where having an experienced attorney makes all the difference. Jeff GOULD Law, the Attorney in YOUR Corner, can manage communication, gather evidence, and negotiate with your insurance company to ensure your claim is valued fairly.
Common UM/UIM Claim Mistakes
Even when you’re filing with your own insurance, certain missteps can jeopardize your claim. Avoid these pitfalls:
- Delaying notice:
Policies often require prompt reporting; waiting too long can result in voided coverage. - Failing to document injuries:
Medical records, photos, and witness statements are vital. - Accepting the at-fault driver’s limits without consent:
Many UM/UIM policies require insurer approval before accepting any settlement with the other party. - Assuming your insurer will be “on your side.”
They often use the same tactics as other carriers, such as delays, low offers, or arguing that your injuries predated the crash.
How an Attorney Can Help
UM/UIM claims can get complicated quickly. Your insurer might demand independent medical exams (IMEs), recorded statements, or unnecessary documentation to delay your claim. An experienced personal injury attorney like Jeff GOULD Law, can:
- Review your policy to confirm UM/UIM eligibility.
- Handle all insurer communications.
- Calculate your full damages (medical bills, lost income, future care).
- Negotiate or, if necessary, file suit to enforce your policy rights.
With professional guidance, you’ll avoid critical mistakes and protect your ability to recover what you’re owed.
What to Do After a Hit-and-Run or Underinsured Crash
- Call 911 immediately. Police documentation is essential for UM claims.
- Gather as much evidence as possible—photos, witness info, location details.
- Seek medical treatment right away. Gaps in care can reduce claim value.
- Contact your insurance company, preferably with guidance from your attorney.
- Do not accept a quick payout or sign any release without legal review.
Protect Yourself Before an Accident Happens
The best time to review your UM/UIM coverage is before an accident occurs. During your review, ensure your policy limits are sufficient to protect you and your family in the event of a serious accident. It’s often one of the most affordable and important coverages you can add to your policy.
If you’ve been hurt by an uninsured or underinsured driver or experienced a hit-and-run, don’t face the insurance process alone. You need an attorney who is capable of guiding you through the process while protecting your rights and fighting for the full compensation you deserve.
Don’t DELAY: Call Jeff GOULD Law, the Attorney In YOUR Corner – TODAY!
DISCLAIMER: The information on this blog/site is not intended to be legal advice. It is for general informational use only. You should consult an attorney for advice regarding your situation. Further, this information does not create an attorney-client relationship.