Posted on:Feb 12, 2024

Can I File a Personal Injury Claim Against an Uninsured Driver?

HomeBlogCan I File a Personal Injury Claim Against an Uninsured Driver?

In the blink of an eye, a routine drive can become a nightmare when an uninsured motorist is involved in an accident. The aftermath can be overwhelming, especially when the other party lacks insurance coverage. It’s important to remember that you have options and rights as a victim of an uninsured motorist accident in Arizona. You can file a personal injury lawsuit against an uninsured driver for damages like medical expenses, lost wages, and pain and suffering. 

The Reality of Uninsured Drivers

Accidents involving uninsured drivers happen more often than you may think. It is estimated that about one in every eight drivers on the road are uninsured. This percentage translates to thousands of accidents per year. Unfortunately, Arizona ranks high among states with the highest number of uninsured drivers.

In most cases, uninsured motorists lack insurance coverage due to financial constraints or personal choices. But regardless of the reason, driving without insurance in Arizona is illegal. Despite this law, many drivers still get behind the wheel without insurance coverage.

What to Do If You Are Involved in an Uninsured Driver Accident

If you’re in an accident with an uninsured driver, take these steps to protect your rights and ensure fair compensation:

  1. Call the police to make an official report, regardless of the other driver’s insurance status.
  2. Seek medical attention, even if you don’t feel injured immediately. Some injuries may appear later.
  3. Collect necessary information from the other driver: name, contact details, and license plate number.
  4. Take quality photos of the accident, including vehicle damage and visible injuries.
  5. Notify your insurance company about the accident, even if the other driver is uninsured.
  6. Consult with a personal injury attorney who’s experienced with uninsured driver cases. They can guide you through the claims process and explain your legal options.

Challenges of Personal Injury Claims Against Uninsured Drivers

Obstacles may arise when filing a personal injury claim against an uninsured driver. The main challenge is the absence of insurance coverage. Typically, insurance companies cover personal injury claims, but with an uninsured driver, there’s no policy to rely on.

This means that if your claim succeeds, the uninsured driver will have to pay for your damages out of pocket. However, many uninsured drivers lack the financial resources to do so. Therefore, obtaining payment from the driver can be a lengthy and frustrating process.

Identifying assets that can be used to pay for damages presents another challenge. While some uninsured drivers may have assets like property or savings, this is only sometimes the case. Identifying and accessing these assets may require time and effort.

Seeking legal advice from a knowledgeable personal injury lawyer in Arizona is crucial due to the complexities of these cases. They can guide you through the legal process and fight for the compensation you deserve.

Why Choose Saavedra Law Firm, PLC?

At Saavedra Law Firm, PLC, you are our top priority. Our team, led by Attorney Freddy Saavedra, provides dependable, tenacious representation to injury victims. We believe in meeting clients where they are most comfortable, whether at the hospital, home or even a coffee shop.

We understand every client’s unique story because we take the time to listen. With direct communication throughout the process, we ensure you are informed every step of the way. Our firm is passionate about achieving the best possible results for each client, regardless of the case size. And remember, we only charge once we win your case.

Get the Legal Support You Need Now

In conclusion, dealing with an accident involving an uninsured motorist can be daunting, but you don’t have to navigate it alone. It becomes manageable with proper legal guidance from Saavedra Law Firm, PLC. If you or a loved one has been hit by an uninsured motorist in Arizona, reach out to us today. Let us be your advocate in this challenging time.

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