In this YouTube Hangout, Phoenix car accident lawyer John Kelly fields an online question about uninsured motorist coverage. You may also visit us online at https://www.jkphoenixpersonalinjuryattorney.com/auto-accident/ or post a question to the comments section and John has agreed to answer your questions.
Thomas – My car was struck by another vehicle that ran a red light. No one disputes this fact. The problem is that the other driver had no insurance. Am I completely out of luck in getting compensation for my injuries?
Kelly Law Team
1 E Washington St
Phoenix, AZ 85004
Transcription of content:
– We’re with John Kelly, John is a personal injury attorney in Phoenix, Arizona. He’s agreed to answer an online question specifically related to if you have a car accident and the other party doesn’t have insurance. So John, first, this question was from Thomas. Thomas says, my car was struck by another vehicle that ran a red light. No one disputes this fact. The problem is the other driver had no insurance. Am I completely out of luck getting compensation for my injuries?
– Well unfortunately, Thomas’ situation is all too common, especially in Arizona. Actually I think there was a study a while back that said 17% of drivers in Arizona don’t have insurance. So technically he still has a claim against that other party that injured him, for a judgment, but usually if there’s no insurance the person doesn’t own a lot of assets that you can pursue. So that highlights the importance of people having under-insured, uninsured motorist coverage in their policy, and most people do have that, in fact, insurance companies are required to offer it and make the people who don’t want it to actually write or sign a waiver that says that they don’t want it. So uninsured motorist coverage would apply here, he would be able to pursue a claim through his own insurance company saying that the person that hit me doesn’t have insurance, I pay for uninsured motorist coverage every month in my policy, so I can now pursue a claim against my uninsured motorist coverage. In this circumstance, depending on his injuries he’s gonna have policy limits in that coverage. So usually, in Arizona, for instance, it’s a 15/30 policy is the minimum that you can have. And so if you have a 15/30, usually you have a 15/30 uninsured, underinsured motorist coverage policy too. So if you have the 100/300 that’s what you typically will see on your under-insured motorist coverage. If you have any questions about that just reach out to an attorney. You can also just print out your declaration page through your insurance company, if you go online usually you can print that up and kind of see what your coverages are.
– Excellent, well if you have any other questions for John just post ’em in the comments section below, and he’s agreed to get back with answers. Thanks, John.
– Thank you. Feel free to reach out to me, my office at 602-283-4122.
– Thanks John.