Car insurance is a part of life. We all know that it is the right thing to do to pay for insurance on our vehicles. Insurance can help if a criminal steals your car or if you get into an accident. What happens, though, if a driver decides not to get insurance and then gets into an accident? If you are the other driver, you could face a major problem trying to get compensation for damages.
Whether your injuries are significant or you have just property damage to deal with, you deserve compensation if the accident was not your fault. Ben Crump Law, PLLC can help you explore your options for compensation. We have a Mesa uninsured car accident lawyer ready to represent your potential case. Call us today for a free consultation at (800) 598-7557. You will not pay us unless we win.
For a free legal consultation with a uninsured car accidents lawyer serving Mesa, call 800-598-7557
Accidents in Arizona
When we go out on the road, we do not typically imagine getting into a car accident. Responsible drivers do what they need to keep from causing a wreck, like maintaining focus on driving and obeying traffic laws. Accidents do happen, though.
The Centers for Disease Control and Prevention (CDC) reports that in 2018, car accidents cost Arizona $1.37 billion. Thousands of car accidents happen every year in Arizona. In 2019, there were almost 130,000 crashes, according to the Arizona Department of Transportation (ADOT). In those crashes, over 900 people died.
The accident statistics are serious. It is a major issue that faces all of us when we head out on the road. It is the responsibility of all of us to be financially prepared for an accident. Not having insurance is negligent. It is also illegal in Arizona.
Insurance Requirements in Arizona
An auto insurance payment can be aggravating, but it is vital. Those of us with insurance have it to protect both ourselves and other drivers on the road in the event of a collision. Car insurance is not optional in Arizona. It is a requirement. The Arizona DOT spells out the requirements on its website.
The reason for these minimums is simple. The state wants drivers to be able to handle the financial burden of a car accident. As you have found out, a car wreck can cost thousands of dollars. An uninsured or underinsured driver may not be able to contribute to those costs at all, even if the accident was their fault.
Uninsured vs. Underinsured
Someone can have auto insurance but still not have enough liability insurance for a major accident. Sometimes drivers get a policy that is affordable but does not cover them in the case of a significant accident. That is the meaning of “underinsured.” Of course, uninsured is what a driver has no policy or a policy that is no longer valid.
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Statute of Limitations in Arizona
You have a right to seek compensation after your accident if you were not at fault. The insurance status of the other driver does not affect your ability to file a lawsuit. You have to abide by the statute of limitations when filing a lawsuit. The court may dismiss a case filed beyond the statute of limitations. The time limit is two years, as stated in Arizona Revised Statutes (ARS) § 12-542. Two years is also the statute of wrongful death lawsuits, according to ARS § 12-612.
A Mesa uninsured car accident lawyer from Ben Crump Law, PLLC knows how the law will affect your case and your lawsuit. You do not need to figure this out on your own. One of our lawyers can assist you in navigating the complicated legal aspects of your accident and help you seek compensation.
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There are options for you to get compensation. Your accident was costly, but if you were not at fault, you should not have to shoulder the burden on your own. Hiring a lawyer can put someone on your side while you focus on your recovery.
You can file a claim with your auto insurer to receive compensation for the uninsured motorist’s portion of your costs, in some cases. ARS § 12-555 spells this out. Your insurance may not pay the uninsured or underinsured motorist’s portion, though. You have the option to get underinsured or uninsured motorist coverage on your insurance policy. This could help in the case that an Arizona driver is not insured sufficiently.
There are many costs involved in a car accident, as you know. It starts the moment the accident occurs. Some of the costs you may have incurred include:
- Medical bills
- Lost wages
- Property damage
- Reduced earning capacity
There are other damages, though, that are not easy to calculate. These non-economic damages are just as detrimental to you after the accident. These damages are things such as emotional distress, pain and suffering, humiliation, inconvenience, and more.
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Call Us Today
Facing the consequences of a car accident can be very overwhelming. It is even more stressful and difficult when you know the other driver does not have insurance. Imagining taking on the entire financial burden of the accident is daunting. You have options, though. You could recover the costs of medical bills, property damage, and lost wages with a successful lawsuit. Driving uninsured is negligent.
Remember, you have two years to file your lawsuit for personal injury or wrongful death. Do not hesitate to get the process started now. Let us pair you up with a Mesa uninsured car accident lawyer to guide you through the process. You can reach us at (800) 598-7557. Our team is ready to hear the details of your case and figure out the best course of action. We want to fight for your rights.
Call or text 800-598-7557 or complete a Free Case Evaluation form