Obtaining the Policy Benefits You've Paid For
Even though it is considered an optional coverage (like Med-Pay or PIP), uninsured and underinsured motorists (UM/UIM) coverage is always a bargain compared to the benefits it can provide you with after an accident, including compensation for damages for medical expenses, lost income, pain and suffering.
For these reasons and more, it is always a good idea to purchase as much UM/UIM coverage as you can afford, up to the maximum allowed (which is an amount equal to the amount of liability insurance you purchased). In fact, Arizona law requires insurers to obtain a waiver from anyone who rejects UM/UIM coverage or who chooses an amount that is less than his or her liability coverage.
But what if you did purchase UM/UIM coverage with your automobile policy and now your insurance company refuses to pay?
If this is the situation you're faced with today, our law firm can help you to obtain the coverage benefits you're entitled to under the terms of your contract. But don't wait. The claims procedures for filing an uninsured or underinsured motorist claim with an insurance company are often very complicated. This makes it very easy to make a mistake, which could lead to a "valid" denial of coverage.
Bicycle and Pedestrian Accidents
Many of the bicycle and pedestrian accident victims our law firm has represented over the last two decades have been surprised to learn that additional compensation may be available to them through the UM/UIM coverage purchased with their auto insurance policies.
This is yet another reason why it's smart to purchase as much UM/UIM coverage as you can comfortably afford.
Phoenix Uninsured Claims Attorney ∙
Arizona Underinsured Motorist Claims Lawyers
Phoenix Area: 602-748-4391
Arizona Toll Free: 866-476-3054
For answers to any other questions you have about UM/UIM coverage or your rights under the terms of a policy — contact Plattner Verderame, P.C. for a free consultation. We handle insurance bad faith and UM/UIM claims on a contingency fee basis, which means that you won't owe us anything unless we are able to obtain a verdict or settlement on your behalf.
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