If you’ve been injured in a motor vehicle accident involving an uninsured or underinsured driver, Harris Injury Law is here to help. According to recent data from the National Safety Council, the average economic cost of motor vehicle accident injuries, including medical expenses and lost wages, can be substantial, highlighting the importance of adequate insurance coverage.
Based in the heart of Phoenix, AZ, we specialize in uninsured motorist claims and offer aggressive, experienced legal representation to ensure you recover full compensation for your medical expenses, lost wages, pain and suffering, and property damage. Arizona law requires all drivers to carry minimum auto insurance coverage, which directly impacts how uninsured and underinsured motorist claims are handled and your ability to recover damages.
With over 16 years of experience and $75,000,000+ recovered in past cases for our clients, Harris Injury Law has extensive experience handling uninsured motorist accident cases. We provide comprehensive legal services to guide clients through every step of the uninsured motorist accident claim process, ensuring they receive the support and expertise needed to recover damages effectively. When you’ve been hit by a driver without auto insurance or inadequate bodily injury liability coverage, navigating your own insurance policy or an underinsured motorist claim can be overwhelming. That’s where our legal team comes in.
We work on a contingency fee basis, you don’t pay unless we win.
You’ll speak directly with your attorney, not a case manager.
We handle all communications with insurance companies so you can focus on healing.
Attorney Jason A. Harris is not only one of the few attorneys in Arizona experienced in both personal injury and workers’ compensation law, but he’s also a passionate advocate for car accident victims in Phoenix. His rare dual-focus gives him the insight to tackle complex auto insurance disputes involving uninsured or underinsured motorist coverage.
Jason’s down-to-earth approach means you’ll always have direct access to your legal counsel. Clients appreciate his availability, responsiveness, and commitment to securing full compensation, even in cases where the at-fault driver lacks insurance or has insufficient underinsured motorist coverage.
Motor vehicle accidents in Arizona involving uninsured or underinsured drivers are unfortunately common, despite the legal requirement for all drivers to carry minimum liability car insurance. Many accidents involving uninsured or underinsured motorists stem from:
Driving without valid auto insurance
Carrying inadequate bodily injury liability coverage
Lapses in auto insurance policy payments
Accidents with out-of-state drivers or tourists
Hit-and-run accidents
Accidents caused by underinsured drivers who do not have enough coverage to fully cover damages
In such cases, it’s crucial to understand how claiming compensation works through your own insurance company under your uninsured or underinsured motorist coverage. Establishing liability is a key step in claiming compensation, whether through insurance claims or lawsuits.
Arizona has one of the higher rates of uninsured drivers in the United States. According to the most recent report from the Insurance Research Council (IRC), approximately 11.8% of Arizona drivers were uninsured as of 2019, placing the state close to the national average (IRC 2021 Report).
Given Phoenix’s population of over 1.6 million residents and heavy daily traffic, this percentage translates to well over 180,000 drivers potentially operating without valid insurance on Phoenix roads. This significantly increases the risk of being involved in a motor vehicle accident involving an uninsured or underinsured motorist.
As traffic volumes in Phoenix continue to rise, so too does the potential for serious injury or financial loss due to drivers who fail to carry adequate insurance coverage.
Arizona follows a fault system, meaning the at fault driver is responsible for paying damages. However, when the other driver is uninsured or underinsured, recovering damages can be more complex. Your best option may be to file a claim against your own policy under uninsured motorist coverage, which pays for your damages directly, not the uninsured or underinsured driver.
Uninsured Motorist (UM) Coverage – for accidents where the liable party has no insurance.
Underinsured Motorist (UIM) Coverage – for situations where the underinsured driver’s policy limits are too low to cover your medical expenses, property damage, or pain and suffering.
Underinsured/uninsured motorist coverage is considered portable, meaning it can provide protection even when you’re in someone else’s vehicle.
While you have a right to claim compensation from your insurance provider, the process to recover compensation and recover damages is not always a straightforward process. Insurance companies may still try to reduce or deny your insurance claim. That’s why it’s vital to have an experienced uninsured motorist accident lawyer in Phoenix by your side.
Our Phoenix legal team is equipped to help you navigate even the most complex uninsured motorist claims. We will:
Review your auto insurance policy to identify applicable coverage
Handle all communications with your insurance carrier
Gather medical records, crash reports, and witness statements
File the personal injury claim or insurance claim
Negotiate aggressively for full compensation for medical costs, lost wages, and pain and suffering
Represent you in court if necessary
Our goal is to help you fully recover, physically, financially, and emotionally, after your auto accident.
We know that accidents don’t happen on a schedule. That’s why our team is available 24/7 to offer legal support when you need it most. Whether you’re dealing with property damage, medical bills, or a complex insurance coverage dispute, we’ll guide you through the process and fight for your rights.
Don’t let a lack of insurance from the at-fault driver keep you from getting the compensation you deserve. Whether you’re dealing with bodily injury, vehicle repair, or long-term recovery, Harris Injury Law is ready to help.
Call or text (480) 800-HURT for your free consultation today.
Visit us at: 1136 E Campbell Ave, Phoenix, AZ 85014
Disclaimer: The information provided in this article is for general informational purposes only and does not constitute legal advice. Past results do not guarantee future outcomes. Every case is unique and must be evaluated on its own merits. To understand your legal rights and options, please contact Harris Injury Law at (480) 800-HURT.
to assist you with your Uninsured Motorist Accident case.
Call or text now for a free consultation.
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“After getting hit by a driver with no insurance, I had no idea where to start. Jason explained everything and helped me file a successful uninsured motorist claim. I got compensation for my medical bills and missed work. Highly recommended!”
- Laura M., Phoenix, AZ
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“Jason treated us like family after our accident involving an uninsured driver. He made a stressful situation so much easier and got us a great result.”
- Marcus T., Phoenix, AZ
The Entire State of Arizona
Available 24/7 – Please call for an appointment
The Entire State of Arizona
Available 24/7 – Please call for an appointment
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Located at 1136 E Campbell Ave, Phoenix, AZ 85014. Harris Injury Law, PLLC specializes in auto and truck accidents and workers’ compensation. Speak directly with your lawyer from the beginning. Same-day and emergency consultations are available. You never pay out of pocket. Call us at any time – 24/7.
