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What Happens If You Get Hit By Someone Without Insurance In Arizona?

Oct 25, 2023

Picture this scenario: You were blissfully cruising down a highway when you were sideswiped out of nowhere by a negligent motorist. You suffer bodily injuries and it feels like you might have a concussion. If that was not bad enough, you find out the other driver has no auto insurance.

This scenario is more common in Arizona than you might think, where state law demands insurance coverage, and yet 11.8% of drivers choose to go without. So even though someone else broke the law, you could end up paying for it. But there could be another option.

Heavy Car Accident Scene

How Are You Going to Get Paid?

Under Arizona law, all motorists are legally required to have a minimum level of auto liability insurance, which covers the costs if they are at fault in an accident. These limits are:

    • $25,000 for bodily injury per person
    • $50,000 for total bodily injury per accident
    • $15,000 for property damage per accident

Of course, none of this matters when you are hit by an uninsured or underinsured driver. You are left wondering, “Who is going to pay for all this?” But do not worry, and consider these steps.

First, check your insurance company policy. Many Arizonans use Uninsured Motorist coverage (UM) and Underinsured Motorist coverage (UIM). Your UM policy covers the bills when the other driver has no car insurance at all, while the uninsured motorist insurance helps when their insurance is not enough to cover your expenses.

Now, what if you do not carry auto insurance, such as UM or UIM? You can take the other driver to court. Even if the liable party does not have substantial finances to pay you immediately for your medical bills and other damages, a legal judgment could result in wage garnishments or property liens against them.

Your health insurance carrier might also pay for your emergency room visits, hospital stays, prescription medications, and other medical expenses. But the insurance company will probably want to get paid back if you win any money in a lawsuit or settlement. As for your car, if you have collision coverage, your insurer can pay for repairs. You will have to pay the deductible, but it is better than footing the whole bill.

The at-fault driver is sometimes not the only liable party. Was the road in a bad condition? Was there a defect in your car? Was another driver involved in the accident? An experienced Arizona car accident attorney can help identify all the responsible parties, and review your insurance policy with your insurance carrier and the other parties’ insurance carriers, so you do not miss out on any money that is rightfully yours.

Do This to Increase Your Chances of Recovering Compensation

Filing a police report is important after an auto accident. If you do not file an official police report, it may weaken your claim for damages. An accident report created by a law enforcement officer is an official account of what happened and can be invaluable when you file an insurance claim or if you end up filing a lawsuit. So, right after the crash, call 911 for assistance.

Next, grab your phone and start taking clear pictures of the injuries, the damage to both cars, any skid marks, and the entire crash site. If there are any people around who saw the collision, get their names and contact information. Do this only if you are not too injured, otherwise, stay in the car and wait for help to arrive.

If you can, jot down the events that led to the accident while it is fresh in your mind. Memory can get fuzzy, and you will want a clear record for later. Do not forget to call your insurance company to report the accident. After you have received medical attention, book your free consultation with a dedicated Arizona car accident lawyer.

Rear-End Collision of Two Sedans

Get Our Proven Car Accident Attorneys to Maximize Your Compensation

At the Wattel & York law firm, we are ready to offer you strong legal representation for your personal injury claim. We will collect all possible evidence and build a robust legal strategy to obtain the compensation you rightfully deserve for your injuries and losses. We have successfully negotiated cases where the initial offers from the other driver’s insurance company were far from fair, but we were able to obtain impressive settlements for our clients.

If it becomes necessary to take legal action against the uninsured driver, we have the expertise to represent you in court. Get ready to take the next step. Call us at 866-395-2032 or contact us online to schedule your free consultation.

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“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.”

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“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.

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