Getting into a car accident can be a life-changing moment. Not only do you have the immediate shock of the accident itself, but you can also sustain severe injuries. As you receive medical care, you will expect insurance to cover the cost of any treatment. But what if the driver that hit you doesn’t have any insurance?
In Arizona, all drivers must have liability insurance. If someone hits you and is at fault, their liability insurance covers the cost of your medical bills. However, many drivers choose to drive without insurance. In this case, you must find different ways to cover the cost of medical treatment.
Uninsured/underinsured motorist coverage
One way you can protect yourself from uninsured drivers is to buy uninsured motorist coverage. While Arizona doesn’t require you to have this insurance, all car insurance providers must offer it. If a driver hits you and you are not at fault, your uninsured motorist coverage can cover the costs of medical bills related to the accident.
You can also buy underinsured coverage for bodily injury. If the other driver has liability coverage that doesn’t fully pay your medical bills, underinsured coverage makes sure you have enough money to pay.
File a lawsuit
You can also file a lawsuit against the other driver. If you can prove to the court that the other driver was at fault, a court can hold the driver responsible for paying your bills. Even if you are partially at fault, you can still win a case against the other driver.
Whether you buy more insurance or sue the other driver, getting the amount of money you need to pay your bills can be difficult. Proving your case in court can be complicated. And your insurance company may try to give you less money than you need. You may want to consult with an attorney in either case.
If someone without insurance hits you, you have ways to cover the costs of the accident.