Uninsured Motorist Auto Insurance AZ

Reader’s Question:

In Arizona, what does uninsured motorist insurance cover?

John

Phoenix, AZ

The Arizona Department of Insurance states that Uninsured Motorist coverage protects you or passengers in your car for bodily injury you or your passengers sustain in an accident involving a motorist who has no liability coverage.

In Arizona, there is also Underinsured Motorist coverage which protects you or passengers in your car for bodily injury you or your passengers sustain in an accident involving a driver who has insufficient insurance to cover the injuries of you or your passengers.

Uninsured motorist coverage (or UM) provides coverage for your loss of earnings ,medical bills, pain and suffering if you suffer injuries as a result of a negligent driver who lacks liability insurance, including a hit-and-run motorist. Underinsured motorist coverage (or UIM) provides coverage in the event that your damages exceed the negligent motorist’s liability coverage.