Being involved in an accident with a driver whose insurance has expired can be distressing. However, Arizona law provides avenues for victims to seek compensation in such situations.
In Arizona, drivers are required to carry minimum liability insurance to cover damages they may cause. When an at-fault driver lacks valid insurance, your own uninsured motorist (UM) coverage becomes crucial. UM coverage is designed to compensate you for bodily injuries and damages when the responsible party is uninsured. According to Arizona Revised Statutes § 20-259.01, insurers must offer UM coverage to policyholders, which can only be declined in writing. This ensures that drivers have the option to protect themselves against uninsured motorists.
It’s essential to act promptly after an accident. Arizona law stipulates specific time frames within which you must file claims. For uninsured motorist claims, you generally have three years from the date of the accident to notify your insurer of your intent to pursue a claim, as outlined in A.R.S. § 12-555. Failing to adhere to these deadlines can jeopardize your ability to recover compensation.
After an accident with an uninsured driver, take the following steps:
1. **Seek Medical Attention**: Prioritize your health and document any injuries.
2. **Report the Accident**: Notify law enforcement and obtain a copy of the accident report.
3. **Gather Evidence**: Collect contact information from witnesses and take photographs of the scene.
4. **Notify Your Insurer**: Inform your insurance company about the accident and your intent to file a UM claim.
5. **Consult an Attorney**: Engage with experienced personal injury attorneys to navigate the complexities of your claim.
At Hirsch Talcott, our team, including attorney Jack Hirsch, a Certified Specialist in Personal Injury and Wrongful Death, and attorney Chelsie Talcott, a former Maricopa County Deputy Public Defender, is dedicated to advocating for accident victims. We operate on a contingency fee basis, meaning you pay no fees unless we win your case. Learn more about our fee structure here.
Understanding your rights and the legal avenues available is vital. If you’ve been involved in an accident with an uninsured driver, don’t navigate this challenging time alone. Contact Hirsch Talcott at 602-903-6000 for a free consultation and let us help you secure the compensation you deserve.
