Contact Us Today!



May 3, 2018


It can happen to anyone: You’re proceeding through an intersection when suddenly your car is hit by another vehicle, causing damage and injury to you and your vehicle. And if that’s not bad enough, the driver of the other vehicle is uninsured. What should you do in such a situation? How will you receive compensation for the damage to your vehicle and the injury to your person if you are hit by uninsured drivers?


If you’ve found yourself in such a situation, you are not alone. In the United States, if someone is injured in an automobile accident, odds are about one in seven that the at-fault driver is uninsured. The Insurance Research Council reports that the estimated percentage of uninsured motorists has risen dramatically over the past decade. According to the report, in 1999 12.7 percent of motorists were uninsured. This number jumped to 14.6 percent in 2004. A more recent study by the Insurance Research Council expects the figure of uninsured drivers to jump to a shocking 16 percent in 2010.


An uninsured vehicle is typically considered one of the following:

  •  Vehicles that are not covered in a state that requires automobile insurance
  •  Vehicles used in hit-and-run incidents, where the identity of the driver is unknown
  •  Stolen vehicles

Who are the drivers of these uninsured vehicles? According to reports, the majority of uninsured drivers tend to be males between the ages of 18 and 29. Many of these uninsured motorists possess only a high school education, and they tend to drive cars over ten years old. But anyone can drive while uninsured. That’s why it’s prudent to familiarize yourself with state laws governing uninsured motorists.


The number of uninsured drivers in Arizona is estimated to be well over 20 percent and rising. The penalty for failing to carry insurance or proof of financial responsibility in Arizona is tough. Recently the governor of Arizona has enforced a bill that focuses on reducing the number of uninsured motorists on Arizona’s roads. The new bill, HB 2224, decrees that proof of financial responsibility must be carried in the vehicle at all times. This mandatory insurance law in Arizona states that the minimum liability insurance is $15,000 for bodily injury per person, $30,000 to cover bodily injury for more than one person and $10,000 for property damage. Failure to carry proof of insurance can result in a penalty to the driver, which can range from $500 to $1000. The amount fined will be determined by whether the offense is the driver’s first, second, or third. The driver’s license and the vehicle’s registration plates can also be suspended for three months for an initial offense and, for a third offense, up to twelve months. Additionally, a driver who possesses three or more violations for not providing proof of insurance within a three year period must submit proof of financial responsibility before the state can restore the person’s driver’s license and registration plates.

While uninsured motorist insurance is not required by law in Arizona, given the number of uninsured drivers on the road, it’s a good idea to carry such insurance. Most drivers carry $15,000 per person or $30,000 per car.


Seeking compensation from an uninsured Arizona motorist can be difficult. It’s hard to make a claim against a person with no insurance because typically they don’t possess enough assets to warrant litigation. You can, however, make a claim against your insurance company to recover damages in the case of serious injury. Your insurance company will usually compensate you for the following expenses:

  •  Loss of wages
  •  Physical and emotional pain, suffering and permanent injury
  •  Medical expenses
  •  Loss of future earning power

Of course, the damages you recover depend on your policy, but generally, you are legally entitled to recover damages if you can prove that the uninsured motorist was at fault in causing your damages or injuries and that the damages can be measured and a certain amount of money will cover their expense. Depending on your policy, you may even be able to acquire compensation for the property damage to your vehicle. If your uninsured motorist coverage does not include property damage, and you do not carry collision coverage, then you’ll probably have to pay out of your own pocket for the damage done to your vehicle by an uninsured motorist.

You can improve your case significantly by being able to provide as many details as possible about your accident. Because it is often hard to retain accurate memories of an accident, keep a running log of details related to your accident. Write down such details as the time of day and week the accident occurred, the name and badge number of the attending police officer, the purpose of your trip and features of the accident location. These details will come in helpful when settling an uninsured motorist’s claim with your insurance company and will ensure that you receive adequate compensation for injuries and damage sustained in the accident.


Sometimes insurance companies can give you the runaround, making it harder to receive compensation to cover expensive medical and car repair costs. That’s why you should consult an attorney trained in the rules and regulations governing automobile accidents involving uninsured Arizona motorists. Only an automobile accident attorney will be able to determine if your insurance company is liable for the expenses caused by an automobile accident with an uninsured motorist. A lawyer trained in automobile accidents will help get you the compensation you deserve for the injuries and suffering sustained in an automobile accident caused by an uninsured driver. ASK DAVE & MIKE at Wattel & York for a Free No-Obligation Consultation.

Find more like this: Personal Injury

Online Reviews

“Amazing people, they had my claim for about a week before they were able to get my truck totaled out. Otherwise I would have been stuck with a truck that had heavy front end damage if they hadn’t stepped in to help me. I tried to deal with my insurance company myself for over a month and that got me nowhere, all I got was a massive headache and a messed up truck. They are very professional and act quickly on your claim. I highly recommend them to anyone who is looking for help.”

Candy J.


“I was in an accident and decided to call Wattel and York. After months of going to a Chiropractor, I finally felt better. When it came time for settlement, the insurance company was making an offer I wanted to accept, Mr. Wattel advised against it and felt the insurance company was shortchanging me. He recommended I file a lawsuit and that will get them to cave. Well, Dave filed suit, and sure enough, the insurance company increased their offer by $4,000! I am very satisfied with how my case was handled.”

Nardeasha S.


“Wattel & York were flat out outstanding with my personal injury case. They made the process painless and kept in constant communication throughout the entire time. Any questions I might’ve had were promptly answered and detail oriented. They gave me crucial advice that I would’ve otherwise not been aware of. I couldn’t have asked for more from them. Put your trust in these guys, you won’t be disappointed. Thanks Wattel & York.”

Mattew P.


“Thank you so much for all your hard work on our behalf! Thinking I could handle it on my own, I was originally reluctant to take my accident claim to an attorney. But I am SO glad I called you instead. Your people were always helpful, pleasant and responsive at every step along the way. You represented us with honesty and integrity and made a traumatic experience as painless as it could be. And best of all, you helped us get a settlement that was fair and far more than I could ever have negotiated on my own! I highly recommend Wattel &York to anyone who has suffered a personal injury.”

Cathy M.

“I was the passenger in a vehicle that was 'T- Boned' at an intersection in 2014. The issues of responsibility and recovery became a difficult and convoluted confusion. I really needed help. This Team at Wattel and York walked me patiently and encouragingly through difficult months, sorting through issues and finally arriving at a satisfactory conclusion. I especially want to name two great and encouraging "warriors" of Wattel and York who directed me along the way..Brian Torba and Melissa Patterson..to them and the whole team I say "Thank You" with heart felt gratitude. Sincerely, God Bless You.”

Robert G.

“Honesty. Integrity. Transparency. Partnership. Wattel & York brought all of these qualities and more to my accident case. I'd love to thank all of the team members who helped me with the process: David Guzman, who conducted the initial interview in my home, Aly Shomar-Esparza, who seamlessly guided me through paperwork and filings, Debbie Harrach, who conducted final review, paperwork revisions and scheduling, and Thomas Grisoni, who counseled me before and attended my deposition. I never felt alone during the arduous process and always knew there was a professional team looking out for my best interest. I highly recommend Wattel & York if you are unfortunately involved in an accident that was not your fault.”

Russ W.

“I was a passenger in a car that got t-boned a few years ago and got a huge gash. I didn't know a lot about lawyers, so I basically just picked one on the flip of a coin. I called Wattel and York and they explained everything, I went into the office and filled out paperwork. Got treatment on my gash over the time I worked with them, glad I did as it opened back up a couple times and bled. They did really good, got me the maximum amount of money, and made sure I was well taken care of. I was updated from time to time so that was good. The only thing I might change is I never got to thank or talk to my lawyer. I think it was because I was already used to dealing with the lady at their Glendale office so they just kept her as my point of contact. So it's okay, I'll thank them with a good review. The last thing I could say about them is months after I thought my case was over they called me and said they had another check for me for a few hundred dollars. Apparently, they negotiated with the hospital I went to after the accident. It was a nice surprise and shows they really had my interests in mind.”

Trent B.

“Wattel & York has been great for me in the past few years. I was involved in a really bad accident while I was on Active Duty in Yuma, Arizona and they have been patient with me every step of the way through a very long process. I would recommend them to anyone thank you for all your help.”

Levy G.

“Appreciate David taking the time to speak with me. He was most kind. From the front line with the receptionist, to him, the firm was a class act all the way around.”

Claire B.

“Dave Wattel represented me and my son on a Personal Injury case from a motor vehicle accident back in 2009. Jake P. handled my deposition and Dave did the Quarterbacking. The insurance company hired NFL referee Ed Hochuli's firm to try and deny our claim. But Wattel & York made it look as easy as Tom Brady on the football field. The result was more than acceptable and my son and I were compensated for our injuries and rehabilitation. Dave Wattel cares about his clients. If I ever find myself in a situation like this again, Wattel & York will be on speed dial!!”

Vince C.

Our Office Locations


2175 N. Alma School Rd #B-107 Chandler, AZ 85224

Map & Directions [+]


4901 W. Glendale Avenue Glendale, AZ 85301

Map & Directions [+]


2942 N. 24th Street, Suite 105 Phoenix, AZ 85016

Map & Directions [+]


2933 N. Campbell Ave. Tucson, AZ 85719

Map & Directions [+]


1102 S. 4th Avenue Yuma AZ, 85364

Map & Directions [+]

Newport Beach

260 Newport Center Drive, Suite 100 Newport Beach, CA 92660

Map & Directions [+]


6314 19th Street West, Suite 15 Fircrest, WA 98466

Map & Directions [+]

Phone Number


Follow Our Firm


Contact Us Today For
Your Free Consultation

We are available to assist you 24 hours a day!