The Top Reasons Why You Need Uninsured Motorist Coverage in Arizona
In Arizona, as in many other states, uninsured motorist coverage (UM) is a vital component of your auto insurance policy. This coverage is designed to protect you in the event that you are involved in an accident with a driver who does not have insurance or does not have enough insurance to cover your damages. Here are the top reasons why uninsured motorist coverage is essential for drivers in Arizona:
1. High Rate of Uninsured Drivers
Arizona has a significant percentage of uninsured drivers on the road. According to recent statistics, approximately 12% of drivers in Arizona are uninsured. If you are involved in an accident with one of these drivers and they are at fault, uninsured motorist coverage can help cover your medical expenses, lost wages, and other damages that the uninsured driver may not be able to pay for out of pocket.
2. Protection Against Underinsured Drivers
Even if a driver has insurance, their policy limits may not be sufficient to cover all of your damages in a serious accident. Underinsured motorist coverage, which is often included with uninsured motorist coverage, can step in to make up the difference between what the at-fault driver’s insurance covers and the total cost of your medical bills, vehicle repairs, and other expenses.
3. Comprehensive Coverage for Medical Expenses
Injuries sustained in car accidents can lead to substantial medical bills, especially if you require ongoing treatment or rehabilitation. Uninsured motorist coverage can provide coverage for medical expenses that exceed the limits of your personal health insurance policy, ensuring that you receive the necessary medical care without incurring significant out-of-pocket costs.
4. Coverage for Lost Wages and Other Damages
Following a car accident, you may be unable to work due to your injuries, resulting in lost wages and financial strain. Uninsured motorist coverage can include compensation for lost income, as well as damages for pain and suffering, emotional distress, and other non-economic losses resulting from the accident.
5. Peace of Mind on the Road
Knowing that you have uninsured motorist coverage can provide peace of mind every time you hit the road in Arizona. It ensures that you are financially protected against the uncertainties posed by uninsured and underinsured drivers, allowing you to focus on safe driving and enjoying your journey without the constant worry of potential financial repercussions from an accident.
6. Legal Compliance and Financial Responsibility
In Arizona, drivers are required by law to have auto insurance coverage. By including uninsured motorist coverage in your policy, you not only comply with legal requirements but also demonstrate financial responsibility in the event of an accident. This proactive approach not only protects you but also upholds your commitment to safe and responsible driving practices.
Protect Yourself with Uninsured Motorist Coverage
In conclusion, uninsured motorist coverage is an indispensable safeguard for drivers in Arizona. It provides critical protection against uninsured and underinsured drivers, ensures comprehensive coverage for medical expenses and other damages, and offers peace of mind on the road. By including uninsured motorist coverage in your auto insurance policy, you proactively protect yourself and your passengers from the financial uncertainties of accidents caused by uninsured motorists. Take the necessary steps today to ensure that you are adequately covered and prepared for any unforeseen circumstances on Arizona’s roads. Your safety and financial well-being are worth the investment in uninsured motorist coverage. Call McQuaid Injury Law (602) 892-4111 today for a free consultation.
