Car Accident Lawyer Phoenix, AZ
A car accident lawyer in Phoenix, AZ at Kamper & Estrada, PLLC is aware that 49 of the 50 states (with New Hampshire being the lone holdout) requires drivers to carry at least minimum auto insurance coverage on the vehicles they drive. In theory, this means that almost every driver in the country should have insurance and you generally shouldn’t have to worry about a collision with an uninsured driver.
Unfortunately, however, it is nearly impossible to enforce the provision that drivers must have insurance unless he or she gets caught doing something wrong. Therefore, accidents with uninsured drivers are more common than you might think. According to the Insurance Research Council, 1 in 8 drivers on the road at any given time may be uninsured. That is why many states also require uninsured motorist coverage.
After an accident with an uninsured driver, there are important steps a car accident lawyer in AZ suggests taking at the scene and when filing your claim.
At the Scene
Resist any pressure from the other driver to accept money out of pocket in exchange for not involving the police. In the first place, what they offer is likely to be insufficient to adequately compensate you, and in the second place, the law requires you to report accidents to the police that involve more than a certain amount of property damage. Obtain all the information you can. Even if the other driver does not have insurance, you can still obtain contact information and data about the vehicle. Taking pictures of the scene is often helpful and easy to do if you have a smartphone.
During the Claims Process
Depending on the situation, an AZ car accident lawyer in Phoenix may suggest taking action against the driver for not having insurance. But, an important factor to consider is that he or she may lack insurance due to insufficient funds, so you may find that you aren’t getting the money you need even if you win the case. Luckily, our team can help you figure out what steps to take to ensure you get what you need to recover. It may be worthwhile to file an uninsured motorist claim with your insurance company, provided that you have the necessary coverage.
There may be a specific time limit in which you can file an uninsured motorist claim. Different insurers have their own requirements, but sometimes the window of opportunity is as little as 30 days. To avoid missing the deadline, which is often quite strict, it is best to file your claim as soon as you are able with help from a Phoenix, AZ car accident lawyer from Kamper & Estrada, PLLC. The process of filing an uninsured motorist claim is similar to that of filing a claim with another driver’s insurance company.
Our professionals are experienced, knowledgeable, and caring. Contact a Phoenix car accident lawyer in AZ at Kamper & Estrada, PLLC for a free, no-obligation consultation about your car accident before you face further loss.