Many Arizona drivers are uninsured. Even drivers who present the investigating officer with insurance information may be excluded drivers on the policy or might not be current on their premium payments. Sometimes, insured drivers have less insurance than is needed to pay all of your damages if you suffered serious injuries. These are excellent reasons to talk to your agent about uninsured and underinsured motorist coverage. These are also known as UM/UIM. If you have this coverage, and the other driver does not have insurance, or does not have enough insurance to fairly compensate you, your own insurance policy steps in to pay you. That is the good news.
The bad news is that they have the right to dispute the claim just as if they were the insurance company for the other driver, and they may look for any excuse not to pay you or to offer as little as possible. Being represented by an experienced attorney means you are prepared to meet these arguments and to receive fair compensation from your insurance company.