At Stoller Insurance Agency, we understand that protecting yourself and your family is a top priority. While many drivers in Arizona have auto insurance, a significant number still drive without adequate coverage. According to recent estimates, about 1 in 8 drivers in Arizona are uninsured, contributing to the staggering 28 million uninsured motorists across the United States. This reality makes Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage essential components of your personal auto insurance policy.

What is Uninsured and Underinsured Motorist Coverage?

Uninsured Motorist (UM) Coverage is designed to protect you if you’re involved in an accident with a driver who does not have any insurance. This coverage helps pay for your medical expenses, lost wages, and other damages that result from the accident.

Underinsured Motorist (UIM) Coverage, on the other hand, kicks in when you’re involved in an accident with a driver whose insurance coverage is insufficient to cover the full extent of your damages. In this case, UIM coverage helps bridge the gap between the other driver’s liability limits and the actual costs of your injuries and damages.

The Impact of Uninsured Motorists in Arizona

Arizona’s beautiful landscapes and bustling cities are often overshadowed by the alarming number of uninsured drivers on the road. This issue poses a significant risk to insured drivers, leaving them vulnerable to the financial consequences of an accident with an uninsured motorist. Without UM coverage, you could find yourself paying out of pocket for medical bills, car repairs, and other expenses.

The Implications of Hit-and-Run Accidents

Hit-and-run accidents are unfortunately common, and their consequences can be devastating. When a driver flees the scene of an accident, it can be challenging to hold them accountable for the damages. In such cases, UM coverage becomes invaluable. It provides the necessary financial protection to cover your losses, ensuring that you’re not left in a difficult financial situation due to someone else’s negligence.

Other Factors to Consider

Medical Costs: Medical expenses can quickly add up after an accident. UM and UIM coverage can help cover these costs, ensuring you receive the necessary treatment without financial stress.

Legal Expenses: In some cases, legal action may be required to obtain the compensation you deserve. UM and UIM coverage can assist with legal fees, providing peace of mind during a challenging time.

Lost Income: If your injuries prevent you from working, UM and UIM coverage can help replace lost income, allowing you to focus on recovery without worrying about financial obligations.

Why Choose Stoller Insurance Agency?

At Stoller Insurance Agency, we are committed to providing our clients with comprehensive insurance solutions tailored to their unique needs. With access to over 75 insurance carriers, we have the flexibility to find the right coverage for you, ensuring you are protected against the risks posed by uninsured and underinsured motorists.

Uninsured and Underinsured Motorist coverage is not just an option; it’s a necessity for Arizona drivers. Is your policy going to truly protect you and your family when it matters most? Give us a call today for a no-obligation review. Let Stoller Insurance Agency help you stay protected on the road.