Uninsured Motorist Coverage in Arizona: What You Need to Know
If you’re involved in a car accident in Arizona and the other driver is uninsured, you may feel helpless and unsure of what to do next. However, if you have uninsured motorist coverage, you may be able to receive compensation for your damages.
What is Uninsured Motorist Coverage?
Uninsured motorist coverage is an optional type of car insurance that protects you in the event of a crash with a driver who does not have insurance. It covers your medical expenses, lost wages, and property damage if you are hit by an uninsured driver.
Do I Need Uninsured Motorist Coverage in Arizona?
While uninsured motorist coverage is optional in Arizona, it’s a good idea to have it. According to the Insurance Information Institute, roughly 1 in 7 drivers in Arizona are uninsured. This means that there is a significant chance that you may be involved in a crash with an uninsured driver.
How Does Uninsured Motorist Coverage Work?
If you’re in an accident with an uninsured driver, your uninsured motorist coverage kicks in to cover your damages. Your insurance company will pay for your expenses up to the limit of your coverage.
It’s important to note that if the uninsured driver is at fault, you may still need to take legal action to recover your expenses. However, having uninsured motorist coverage can make the process much simpler and less stressful.
In conclusion, uninsured motorist coverage can provide valuable protection in the event of a crash with an uninsured driver in Arizona. Consider adding this coverage to your car insurance policy to protect yourself from the financial consequences of an accident with an uninsured motorist.