Liability/Bodily Injury Claims: a liability claim (often referred to as a bodily injury claim) is a claim against the at-fault driver’s insurance company to pay for the damage the at-fault driver caused. This is the primary method of monetary recovery in automobile cases.
Uninsured and Underinsured Motorist Claims: Arizona only requires a driver carry $15,000 dollars of insurance per person and $30,000 of insurance per accident in auto insurance coverage. This means that if a single person is in an accident, they may receive up to $15,000 in coverage. If there is a car full of people involved in an accident, they will have to split a maximum of $30,000 to pay for all the injuries. Generally, drivers do not have enough insurance to pay for the damage they inflicted. According to the Insurance Information Institute, an estimated 12 percent of Arizona drivers may not even have insurance. So, not only do many drivers have inadequate coverage, they may not have any insurance at all. Uninsured and underinsured motorist coverage (UM/UIM for short), is an optional insurance coverage motorists can buy to supplement the at-fault driver’s insurance coverage. This means if a driver hits you and the driver has inadequate coverage or no coverage at all, your own UM/UIM policy will supplement or stand in for the at-fault driver’s insurance policy to help pay for the damages. This policy is optional in Arizona but may be one of the most important insurance policies you can purchase. Please read more about the importance of the policies here.
Important to note is that while you may not carry UM/UIM insurance, Uber and Lyft carry up to $1 million dollars in UM/UIM coverage for passengers on an active ride share. Additionally, the level of insurance coverage potentially changes depending on what stage of the ride you were on. This process can be complicated and intricate but we can help.
Medical Payments Coverage: Medical payments coverage (Med Pay for short) is an optional insurance coverage you can add to your insurance policy to help pay for automobile accident-related medical care. While this is optional, it can be invaluable in helping accident victims pay for necessary medical care.