Tempe Uninsured Motorist Accident Lawyer

Tempe Uninsured Motorist Accident Lawyer

If you’ve been injured in a Tempe car accident involving an uninsured or underinsured driver, you may be left wondering how to recover your losses. At Harris Injury Law, we assist car accident victims in navigating the insurance claims process when the other driver lacks adequate coverage. We help clients pursue compensation permitted under Arizona law.

Our Tempe personal injury lawyers proudly serve clients throughout Maricopa County, including neighborhoods near Arizona State University, Downtown Tempe, South Tempe, and surrounding communities.

Why Choose Harris Injury Law for Your Uninsured Motorist Accident Case in Tempe?

When an uninsured driver causes a car crash, you need an experienced Tempe car accident lawyer who understands all the legal aspects of insurance claims, liability laws, and personal injury recovery.

At Harris Injury Law, we offer:

  • Experience handling auto accident cases – Our car accident attorneys have handled numerous car accident claims across Arizona, including auto accidents involving uninsured and underinsured drivers.

  • Direct access to your attorney – You’ll have direct access to Attorney Jason Harris throughout your case, and our legal team is here to support you every step of the way.

  • We have handled insurance disputes in car accident cases – We deal with insurance adjusters, insurance companies, and insurance claim denials daily, ensuring you aren’t left without coverage.

  • A client-focused approach – We understand how serious injuries affect your health, finances, and family. That’s why we work diligently to recover compensation for medical bills, vehicle repairs, and lost income.

  • No attorney fees – Unless we recover compensation for you. Clients may still be responsible for costs or expenses. Contact us for a free consultation.

When the insurance company refuses to pay or tries to lowball your car accident claim, we stand by you, negotiating firmly and, if necessary, taking your case to trial to pursue the full compensation available under Arizona law.

Meet Tempe Uninsured Motorist Accident Lawyer Jason Harris

Phoenix Personal Injury Lawyer Jason Harris

Jason A. Harris has over 16 years of experience handling personal injury cases involving car accidents and insurance disputes. As one of the few attorneys in Arizona who regularly handles both personal injury and workers’ compensation cases, Jason brings a comprehensive understanding of how auto accident cases intersect with employment and insurance law.

Throughout his career, Jason has handled many car accident cases and third-party liability claims, including complex car accident cases involving uninsured motorists, negligent drivers, spinal cord injuries, and traumatic brain injuries.

Jason believes that effective representation requires personal attention. We aim to provide clients with direct attorney communication throughout their case. His approachable style, combined with a deep understanding of car accident law, helps clients feel informed and confident through every stage of the legal process.

Common Causes of Uninsured Motorist Accidents in Tempe

Unfortunately, uninsured motorist accidents happen more often than many people realize. In Arizona, despite mandatory liability insurance requirements, many drivers either have no insurance or carry minimal coverage. Some of the most common causes of these auto accident cases in Tempe include:

  • Distracted driving – Texting, GPS use, or eating while driving are common causes of car accidents near Arizona State University and along Rural Road or University Drive.

  • Speeding and reckless driving – Many car crashes on Loop 202 and U.S. 60 involve high speeds that result in severe injuries.

  • Drunk driving – Impaired drivers often cause car accidents late at night in Tempe’s entertainment districts.

  • Failure to maintain insurance – Some negligent drivers allow their insurance to lapse, leaving car accident victims with limited options for financial recovery.

  • Hit-and-run accidents – These frequently involve uninsured drivers who flee the scene, complicating the insurance claims process.

Tempe Uninsured Motorist Accident Statistics

  • Arizona law requires all drivers to carry liability coverage, specifically $25,000 bodily injury per person, $50,000 per incident, and $15,000 property damage, according to the Arizona Department of Transportation (ADOT) Motor Vehicle Division, which outlines the state’s mandatory insurance requirements.
  • Despite these legal obligations, many motorists remain uninsured. The Insurance Research Council (IRC), summarized by the National Association of Insurance Commissioners (NAIC), reported that roughly 15.4% of U.S. drivers were uninsured in 2023, underscoring the risk of encountering an uninsured driver on Arizona roads.
  • The Arizona Department of Transportation (ADOT) noted in its 2024 Arizona Motor Vehicle Crash Facts that statewide, traffic fatalities dropped to 1,228 and total crashes to 121,107, marking a 1.74% decrease from the prior year. Still, impairment and speeding remain leading contributors to serious and fatal crashes across the state.
  • Locally, the City of Tempe’s Open Data Portal tracks collisions by severity and type, revealing that most car crashes cluster near dense areas such as Downtown Tempe, the ASU campus, and major arterials like Broadway Road and Mill Avenue.
  • Further, the ADOT Strategic Highway Safety Plan (2024) reported more than 52,000 injuries statewide in 2022, emphasizing driver behavior (impaired driving, speeding, and seat-belt nonuse) as key contributors to severe crashes, factors that often complicate auto accident cases involving uninsured or underinsured motorists.
  • These findings highlight why having uninsured motorist (UM) and underinsured motorist (UIM) coverage is critical for Tempe residents, especially given the city’s busy commuter corridors and high student population.

Understanding Your Rights After an Uninsured Motorist Accident in Tempe

If an accident happened and the other driver has no insurance, you may still be able to seek compensation through:

  1. Your own uninsured motorist (UM) coverage – This covers medical costs, vehicle repairs, and lost wages when the negligent driver has no coverage.

  2. Underinsured motorist (UIM) coverage – This applies when the at-fault driver’s policy doesn’t fully cover your serious injuries or medical bills.

  3. Personal injury claim – If the driver’s negligence caused the car crash, our Tempe car accident lawyers can file a claim to recover compensation for your damages.

  4. Third-party liability claims – In some cases, other parties (such as an employer, rideshare company, or vehicle manufacturer) may share fault.

It’s important not to admit fault or accept any settlement without legal guidance. Insurance companies may attempt to minimize your car accident case, but our auto accident attorneys can help determine fault, collect evidence, and ensure all your medical documentation supports your claim.

How Harris Injury Law Can Help You

When you hire Harris Injury Law, our legal team handles all the legal aspects of your Tempe car accident claim, including:

  • Reviewing police reports, witness statements, and medical records to determine fault.

  • Communicating directly with insurance adjusters and insurance companies to prevent unfair denials.

  • Calculating the full extent of your medical expenses, lost wages, property damage, and pain and suffering.

  • Negotiating for a fair settlement or preparing your case for trial if needed.

  • Helping you collect evidence, such as photos, repair invoices, and medical documentation, to strengthen your personal injury case.

We know that accidents happen suddenly, and the injuries sustained can lead to permanent disability or ongoing treatment. Our firm has represented clients dealing with spinal cord injuries, internal injuries, and traumatic brain injuries. These conditions often require long-term medical care and may prevent you from working.

With our guidance, you’ll understand every stage of the legal system, from filing an insurance claim to negotiating with the insurance company and pursuing a personal injury claim in court when necessary.

Our Tempe Uninsured Motorist Accident Attorneys Are Available 24/7

The aftermath of a car accident is stressful enough without having to chase down your insurance company or deal with insurance adjusters. That’s why our Tempe car accident lawyers are available 24/7 to answer your questions.

We’ll explain your coverage options, clarify the no-fault state misconception (since Arizona is not a no-fault state), and help you navigate liability laws effectively. Whether you were involved in a minor car accident or a serious auto accident case with severe injuries, our firm can provide the legal support you need to move forward.

We are proud to serve the Tempe AZ community, from the ASU campus to Tempe Town Lake, Kiwanis Park, and Downtown Tempe, helping residents and students alike recover after devastating crashes.

Contact Our Tempe Uninsured Motorist Accident Lawyers Today

If you were injured by an uninsured driver in Tempe, don’t face the legal process alone. Our experienced car accident attorneys are here to help you pursue fair compensation for your losses.

Call Harris Injury Law today at (480) 800-HURT or fill out our online contact form for a free consultation and no-obligation case review. We’ll review your Tempe car accident claim, handle communications with the insurance company, and guide you through every step of your personal injury claim.

At Harris Injury Law, we’re here to help you pursue fair compensation and move forward after an uninsured motorist accident.

Available 24/7

to assist you with your uninsured motorist accident case.
Call or text now for a free consultation.

(480) 863-5467

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“After a car accident in Tempe caused by a driver with no insurance, Jason Harris and his team walked me through every step. They helped me deal with the insurance adjusters and made sure my medical expenses were covered. I’m grateful for their professionalism and compassion.”
- Maria L., Tempe, AZ

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“When the insurance company refused to pay after my auto accident, Jason Harris took over. He helped me collect medical records, witness statements, and even guided me through the insurance claims process. I highly recommend Harris Injury Law.”
- James K., Tempe, AZ

Learn More About

Harris Injury Law, PLLC

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.