How to Recover from an Accident against an Uninsured Party

In Arizona, as in most states, car insurance is mandatory. Despite this fact, however, some motorists are still uninsured. If you find yourself in a car accident where the other party is uninsured, there are still ways you may recover money for your damages.

First of all, even if the other driver is uninsured, you may sue the other party for damages. If the other party is liable, you are entitled to recover money for your medical bills, vehicular damage, lost wages at work, pain and suffering, and more. If you are unsuccessful at suing the other party, or if the other party is effectively “judgment-proof,” meaning they have no assets or employment against which you may recover, the next step you may take is to recover against your own insurance.

Many car insurance policies have an “uninsured motorist” clause. This provision provides people with car insurance the ability to recover against their own policy for damages caused by an uninsured motorist. These provisions usually have a cap and may require certain documentation to ensure recovery. If you are unsuccessful at recovering any damages for the accident, you still may be able to negotiate with your medical providers. Many doctors, chiropractors, hospitals, and other treatment facilities will accept reduced amounts for your medical bills if you explain the circumstances.

If you have been injured in an accident, you should meet with an attorney to discuss your case. The attorney can give advice regarding how to recover in situations where the other party is uninsured, as well as how to negotiate with insurance companies and medical professionals.


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