You’ve just been hit by another driver in Phoenix — your car is damaged, you’re shaken up, and as you exchange information, you realize the other driver doesn’t have insurance. It’s one of the most stressful situations Arizona drivers can face. Unfortunately, it happens more often than you might think.
At Valley Injury Law, our experienced Phoenix car accident attorneys regularly help people who were hit by uninsured or underinsured drivers. Here’s what you need to know about your options for recovering compensation and protecting your rights after an accident like this.
Arizona’s Insurance Requirements
Under Arizona law, all drivers are required to carry minimum liability insurance coverage:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $15,000 for property damage
Despite these requirements, many drivers on Phoenix roads either carry no insurance or only purchase the minimum coverage — which may not come close to covering your expenses after a crash.
If you’re injured by an uninsured or underinsured driver, it doesn’t mean you’re out of options. Arizona law provides several ways to seek compensation.
Using Uninsured and Underinsured Motorist Coverage (UM/UIM)
If the other driver has no insurance, your own policy may protect you. Most Arizona auto insurance policies include Uninsured (UM) and Underinsured Motorist (UIM) coverage.
Here’s how it works:
- Uninsured Motorist Coverage (UM): Pays for your medical bills, lost income, and other damages if the at-fault driver has no insurance at all.
- Underinsured Motorist Coverage (UIM): Kicks in when the at-fault driver’s insurance limits are too low to cover your full damages.
For example, if your medical bills total $50,000 but the other driver only has $25,000 in coverage, your UIM coverage can help pay the remaining balance — up to your policy limit.
Steps to Take After Being Hit by an Uninsured Driver in Phoenix
If you’re in an accident and discover the other driver doesn’t have insurance, follow these steps to protect your claim:
- Call 911 and make sure police respond to the scene. A police report will document the uninsured status of the other driver.
- Exchange information — even if they don’t have an insurance card, get their driver’s license and contact details.
- Take photos of the scene, damage, and license plates.
- Notify your insurance company as soon as possible, but do not give a recorded statement without speaking to a lawyer.
- Contact a Phoenix car accident attorney to review your insurance policy and identify all available sources of coverage.
Even with your own UM/UIM coverage, insurance companies sometimes fight or undervalue these claims. A lawyer can ensure you receive the full amount you’re entitled to.
What If You Don’t Have UM/UIM Coverage?
If you don’t have UM/UIM coverage, recovery becomes more difficult — but not impossible. Your attorney can:
- Investigate whether the at-fault driver has other assets or income that could be used to satisfy a judgment.
- Determine if any third parties, such as employers, rideshare companies, or vehicle owners, share liability.
- Review your health insurance and medical payment coverage for potential benefits.
At Valley Injury Law, we explore every available option to help clients recover the compensation they deserve, even in complex uninsured driver cases.
Why You Should Talk to a Phoenix Car Accident Attorney
Uninsured and underinsured motorist claims are often more complicated than standard accident cases. Insurance companies may:
- Dispute the extent of your injuries
- Delay payment or demand unnecessary paperwork
- Offer far less than your claim is worth
Our Phoenix attorneys know how to push back and make sure your insurance company honors its obligations. We handle the entire process — from paperwork and communication to negotiation and, if needed, litigation.
How Valley Injury Law Can Help
At Valley Injury Law, we provide personalized, aggressive representation for victims of uninsured driver accidents throughout Phoenix. Our team:
- Reviews your insurance policy in detail to identify all available coverage
- Coordinates medical care and billing documentation
- Negotiates directly with your insurer to secure full compensation
- Charges no upfront fees — you pay nothing unless we win your case
Serving Phoenix and Surrounding Communities
Valley Injury Law proudly serves clients throughout Phoenix, Scottsdale, Paradise Valley, Arcadia, Desert Ridge, and nearby Arizona communities. Whether your accident happened on I-10, Loop 101, or a busy intersection in North Phoenix, our attorneys are here to help you every step of the way.
Frequently Asked Questions
What happens if the at-fault driver in Phoenix has no insurance?
You can file a claim through your own uninsured motorist (UM) coverage. If you don’t have UM, a lawyer can help you explore other recovery options.
Can I sue an uninsured driver in Arizona?
Yes, but if the driver has no insurance, they often don’t have enough assets to pay a judgment. A lawyer can help determine if pursuing a lawsuit is worthwhile.
How much does it cost to hire Valley Injury Law?
There are no upfront costs — we only get paid if we win your case.
Call Valley Injury Law Today
If you were hit by an uninsured driver in Phoenix or anywhere in the Valley, you still have options for financial recovery. Our experienced Arizona injury lawyers can help you navigate the claims process and get the compensation you deserve.
Call today at (480) 490-9535 to schedule your free consultation!