Uninsured and Underinsured Motorists – Arizona Injury Lawyer

Phoenix Uninsured Motorist Accident Lawyer

You are trying to decide what auto coverage to buy for you and your family.  What coverages do you need?  How much?  Can you trust your agent to help you make the right decisions?

First and foremost, in Arizona, you are required to have “Bodily Injury and Property” damage liability coverage.  The minimum limits are $15,000/$30,000/$10,000.  You and your agent should be able to have a discussion about this topic.  How much you should have and how much you can reasonably afford based upon your financial circumstances.

But what about other coverages?

“Comprehensive” coverage will protect you if your car is damaged due to any circumstance other than an accident (a tree falls on your car, etc..).

“Collision” coverage will protect your car from damage if in an accident, regardless of who is at fault.

“Uninsured Motorist” coverage protects you and your family if the at-fault driver does not have insurance (estimated as high as 1 in every 5 drivers in AZ).

“Underinsured Motorist” coverage will protect you and your family of the at-fault driver has insurance, but not enough to cover your damages.



If you have been injured and have medical bills from a motor vehicle accident involving an uninsured or underinsured driver, you may get left holding the bag.

When estimates are that as many as 20% (1 in 5) of all drivers in Arizona have no insurance, when you sit down to talk to your own insurance agent, you need to consider buying the right type of coverage to protect you and your family members from the thousands of uninsured/underinsured drivers.

Once an accident happens, it is too late.
Insurance = Protection.

If you never need it, great, but you will rest a bit easier knowing that you and your family are well-protected in the event something bad happens.

Can you count on your own insurance company to provide you truthful answers? Maybe, maybe not. How can you be sure?

Look for an experienced Phoenix car accident attorney, who can explain all and give you great advice on how to best protect your family. Who better than the professional whose business it is to represent those who get injured in these types of cases?

Watch the FAQ video “Won’t my insurance company help me?” here.

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We provide a free case evaluation about your underinsured or uninsured motorist claim

At Zachar Law Firm, in Phoenix, Arizona, we have strategies to help you find money that may be available when the liable driver doesnít have the insurance coverage required by law. We handle every aspect of your car accident injury and property damage claim, and will even work with insurers in all necessary matters following the payout of a claim.


Attorney Christopher Zachar has been perfecting his courtroom experience since 1992 in representing people who need help when it comes to understanding their legal claims and recovering full and fair money damages for their injuries.

When necessary to prepare a strong personal injury case, we work with independent medical specialists, accident reconstruction professionals and expert witnesses to prepare clear evidence in your favor.

A note to motorcycle accident injury victims

We are recognized throughout Arizona for the emphasis we place on helping motorcycle accident victims fight to recover full and fair compensation for their injuries. We invite you to learn more about motorcycle accident injuries by visiting these pages:

Contact our offices to schedule a free case evaluation about ways we can help you fight for you, when the liable party does not carry sufficient insurance to cover your medical expenses and other costs. We have helped many victims of negligence seek the legal help they are entitled to. We are ready to help you.

To speak with an experienced Phoenix Personal Injury Lawyer who specializes in helping accident victims, contact Chris Zachar of Zachar Law Firm via E-mail or by phone. There is NO obligation and Chris will personally review your case and provide a FREE evaluation. Even if you are not submitting a case evaluation and just have a question, we are happy to provide real answers to your questions, in a matter of a few minutes.

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Call Us Here 602.494.4800

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