So you all know, this blog is a little about the law, alot about everything else. We have been receiving a lot of calls lately from people who have been involved in auto accidents in Arizona and there is no insurance. Most people who call us tell us that they have “full coverage.” In fact, they don’t. In Arizona, all insurance coverages are what I like to call “a la carte.” What that means is you have to ask your agent for each individual coverage.
The minimum required limits of liability for the State of Arizona is $15,000 of insurance. Most people don’t even have insurance that is why you should have underinsured or uninsured motorist coverage. If you are hit by a driver who has no insurance you need “uninsured coverage” to protect yourself. If you are hit by a driver who only has $15,000 in coverage, you need “underinsured coverage” to cover the excess. Of course, you can pursue the adverse driver which we do a lot; however, if someone has no money it’s virtually impossible to get money from them. That being said we have got judgments against adverse drivers who had minimal limits or found other sources of insurance. Still, you should all go and look at your coverages and see if you have uninsured, underinsured, and medical payment coverage.
We are happy to review your declaration page of your insurance coverage as well. If you want us to review your coverage just let us know. You can call us or fax it. If you fax it please put attention Alexis Breyer or Mark Breyer. As Phoenix personal injury attorneys, we cannot tell you how many clients have been seriously injured in a car accident and thought they had underinsured and/or uninsured coverage and were wrong! Again, feel free to call us if you have any questions.
Kelly said:
Good to know….thanks