How can an Accident Lawyer help me with my Underinsured Auto Accident Claim in Chino Valley, Arizona?

If you or someone you love has been involved in a car accident in Chino Valley, Arizona, it is important to consider hiring an accident lawyer. In cases where there are multiple victims, the potential for insurance coverage to be insufficient can be a concern. In these situations, it may be helpful to understand when and how to use underinsured motorist insurance. This happens very often in Arizona.

When to Hire an Accident Lawyer

It is generally recommended to hire an accident lawyer as soon as possible after a car accident. This is because there are time limits, known as statutes of limitations, for filing a personal injury claim in Arizona. If you miss the deadline, you may be barred from recovering any compensation for your injuries.

Additionally, an accident lawyer can help you navigate the legal process, communicate with insurance companies, and negotiate a fair settlement for your injuries. They can also help you understand your rights under Arizona law and advise you on the best course of action for your specific case.

Underinsured Motorist Insurance

Underinsured motorist insurance, also known as UIM coverage, can provide additional protection in cases where the at-fault driver’s insurance coverage is not enough to fully compensate all victims for their injuries. This type of insurance can be used in situations where the total cost of medical bills, lost wages, and other expenses exceeds the limits of the at-fault driver’s liability coverage.

In Arizona, all auto insurance policies are required to include at least $25,000 in UIM coverage per person and $50,000 per accident, unless the policyholder rejects the coverage in writing. However, many people choose to purchase higher limits of UIM coverage to provide additional protection in case of an accident.

If you or someone you love has been injured in a car accident in Chino Valley, Arizona, it is important to consider hiring an accident lawyer as soon as possible. An accident lawyer can help you understand your rights and advise you on the best course of action for your specific case, including how to use underinsured motorist insurance to your advantage.