Insurance (continued)

What is Under-Insured Motorist Coverage?
In Arizona, Under-Insured Motorist Coverage (UIM) is not required by law. UIM insurance is intended to cover any individual who is injured due to the negligence of another where the insurance limits of the responsible party will not be enough to cover all of the injured person’s personal injury claims. You should always contact your insurance company after you have been involved in an accident and specifically ask them if you are carrying Under-Insured Motorist Coverage and what those coverage amounts are.

What is Uninsured Motorist Coverage?
Like UIM coverage, Uninsured Motorist Coverage is not required by law. Uninsured Motorist Coverage is intended to protect you if you are hit by a driver who is not carrying insurance. Even though Arizona requires all drivers to carry liability insurance, not all drivers do. You should check your policy to see if you are carrying Under-insured Motorist Coverage. For a few dollars more in premium you can protect yourself if you happen to get hit by someone who is not carrying insurance.

How does Uninsured Motorist Coverage Work?
If you determine that you were hit by an uninsured motorist, you need to call your insurance company and report the accident and let them know that you want to open a claim under your Un-insured Motorist Policy. Your insurance will then investigate the accident and if it is determined that the other driver was not insured, your insurance will compensate you for your personal injury damages just as if the other driver had actually had insurance.

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