Underinsured Motorist Coverage
To collect under an underinsured motorist coverage policy, the Phoenix personal injury attorney must prove the underinsured carrier that the other driver was underinsured.
If a Phoenix personal injury attorney has what is known as underinsurance coverage, as a part of their own insurance coverage, they may be able to collect compensation beyond what the other driver's insurance will pay.
In the day to day world, some Arizona drivers carry only enough insurance to meet the state's minimum liability insurance coverage requirement, but not enough to cover all possible damages for a particular accident. It should be noted that if another driver causing an accident has some insurance, an uninsured policy will not apply.
The underinsured policy holder may negotiate with their insurance company only after the claim has been settled with the driver who caused the accident's insurance company.
The Phoenix personal injury attorney must obtain from the other driver's insurance company a letter that includes the policy limits for that person's liability coverage and a statement that the third party has settled her claim with the company for an amount equal to the policy limits. After this the injured party may collect the extra amount owing under the accident.
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