How to Handle an Uninsured Motorist After a Crash in Arizona
Step 2: Gather As Much Evidence as You Can
Because the other driver doesn’t have insurance, your evidence becomes even more important.
Try to collect the following:
- Photos of both vehicles, damage, and the full crash scene
- Pictures of skid marks, road conditions, or intersection layout
- Driver’s name, contact info, and license plate
- Witness statements or phone numbers
- A screenshot or note if the driver admits fault
This evidence helps your insurance company and attorney build a strong case — especially when the other driver cannot provide coverage.
Step 4: Notify Your Insurance Company
Arizona requires drivers to carry a minimum amount of coverage — but many people still drive uninsured.
This is where your own policy may help you.
Depending on what you have, your insurance can step in through:
✔ Uninsured Motorist Coverage (UM)
This helps cover:
- Medical bills
- Lost wages
- Pain and suffering
✔ Underinsured Motorist Coverage (UIM)
If the other driver had some insurance but not enough, UIM helps cover the rest.
✔ Collision Coverage
Helps repair your vehicle regardless of fault.
Don’t worry if you’re unsure what coverage you have. After an accident, many people don’t know — and that’s normal.
Step 5: Avoid Speaking Directly to the Other Driver Again
Once you leave the scene, communication should stop.
Why?
Because uninsured drivers often:
- Try to avoid responsibility
- Change their story
- Disappear
- Ask you to accept cash
- Try to blame you
Anything you say or agree to could damage your claim.
Let your attorney or helpline speak for you.
Step 6: Speak With a Personal Injury Attorney Early
Accidents with uninsured motorists are more complicated than standard claims.
You’re dealing with:
- Another driver with no insurance
- Your own policy
- Medical bills
- Lost wages
- Injury treatment
- Insurance adjusters who are trying to minimize payouts
An attorney helps you:
- Understand your coverage
- Negotiate with your insurance company
- Collect additional evidence
- Avoid mistakes that weaken your case
- Recover the maximum amount possible
Most importantly, they protect your rights when you’re already dealing with pain, stress, or trauma.
Why Arizona Uninsured Motorist Accidents Require Extra Care
Arizona has one of the higher rates of uninsured drivers in the U.S.
Because of this, insurance companies know they can often get away with offering very low settlements — hoping victims feel confused or desperate.
You deserve better.
Your injuries, stress, and financial burden matter — and you have rights even when the other driver is uninsured.
What NOT to Do After an Uninsured Driver Crash
Avoid these common mistakes:
❌ Don’t accept cash at the scene
❌ Don’t skip the police report
❌ Don’t apologize or take any blame
❌ Don’t delay medical treatment
❌ Don’t give recorded statements without support
❌ Don’t assume you’re stuck paying everything
With the right help, you can still recover compensation for medical care, lost wages, and pain and suffering.
Final Thoughts: You Don’t Have to Handle This Alone
A crash with an uninsured driver is stressful — but it does not mean you’re out of options.
You deserve support, clarity, and guidance while you heal.
Call Christina Now — a free accident helpline ready to walk you through every step, connect you with trusted legal professionals, and help you understand your options with compassion and care.
You don’t have to face this alone.
Help is one call away.
