{"id":20169,"date":"2023-04-24T13:46:38","date_gmt":"2023-04-24T20:46:38","guid":{"rendered":"https:\/\/perezlawgroup.com\/?p=20169"},"modified":"2023-04-24T13:52:18","modified_gmt":"2023-04-24T20:52:18","slug":"why-is-underinsured-motorist-coverage-important","status":"publish","type":"post","link":"https:\/\/perezlawgroup.com\/why-is-underinsured-motorist-coverage-important\/","title":{"rendered":"Why Is Underinsured Motorist Coverage Important?"},"content":{"rendered":"

You\u2019re driving along, minding your own business, when suddenly and without any warning at all, your car is struck violently by another car. As the accident was the other driver\u2019s fault, their insurance will certainly cover the costs associated with your injuries and property damage, right?<\/p>\n

The assumption that an at-fault driver\u2019s insurance will cover an accident victim\u2019s injuries and property damage is not an uncommon one. Yet, all too often, injured motorists and passengers in Arizona discover that the at-fault driver in a collision is carrying insurance coverage that is insufficient to address the situation at hand. While some coverage is available, there is not enough coverage to meet the needs of those who have suffered harm as a result of the at-fault driver\u2019s actions. This is where a victim\u2019s own insurance policy comes into play.<\/p>\n

Uninsured Vs. Underinsured Motorist Coverage<\/h2>\n

Aspiring Arizona motorists are required to secure a valid driver\u2019s license before they can lawfully operate a vehicle in The Grand Canyon State. Yet, many motorists on the road have either never secured a license or are operating vehicles despite the fact that their licenses are expired, have been suspended, or have been revoked entirely. Similarly, Arizona vehicle owners are required \u2013 by state law \u2013 to purchase liability insurance coverag<\/a>e offered by a company that is legally authorized to conduct business in the state. At minimum, motorists must purchase and maintain a policy that provides:<\/p>\n