UNDER-INSURED MOTORIST CLAIM
Like uninsured motorist coverage, Arizona law mandates that insurance carriers make under-insured motorist coverage available to its consumers. Under-insured motorist coverage is distinct from uninsured motorist coverage. Under-insured motorist coverage includes coverage for a person if the sum of the liability limits under all bodily injury liability policies applicable at the time of the collision is less than the total damages for bodily injury or death resulting from the accident. To the extent that the total damages exceed the total applicable liability limits, the under-insured motorist coverage is applicable to the difference. It is important to discuss with your lawyer whether you should make an under-insured motorist claim against your own policy. Many myths exist about using your own coverage, such as rates being raised, etc. It is important to get the facts from an experienced attorney. Discuss these issues and other issues immediately after an accident occurs with an experienced attorney.
Like uninsured motorist coverage, under-insured motorist coverage is portable. This means that it follows you and your household members wherever they are injured; whether in a family auto, a neighbor’s auto, or simply walking down the street. The injuries must have been related to the operation, maintenance or use of an automobile. It will not apply, for example, if you are injured in a boat, or from falling off a roof.