Understanding Arizona Underinsured Motorist Coverage: Why You Need Garrick McFadden

Personal Injury lawyer

Car accidents can be a traumatic experience, often leading to significant physical, emotional, and financial burdens. One of the most challenging situations arises when the at-fault driver does not have sufficient insurance coverage to compensate for your losses. This is where underinsured motorist (UIM) coverage becomes crucial. If you have been involved in a car accident in Phoenix, Arizona, and are facing issues with underinsured motorist coverage, Garrick McFadden and his black-owned law firm, GAMESQ, PLC, are here to help you navigate the complexities of your case and secure the compensation you deserve.

Phoenix personal injury lawyer

What is Underinsured Motorist Coverage?

Underinsured motorist coverage provides additional protection when the at-fault driver’s insurance policy limits are insufficient to cover the damages resulting from an accident. This coverage is designed to bridge the gap between the at-fault driver’s insurance limits and the actual costs of your medical bills, lost wages, pain and suffering, and other related expenses.

Key Features of Underinsured Motorist Coverage

  1. Supplemental Coverage: UIM coverage supplements the at-fault driver’s liability insurance, ensuring you are not left with unpaid bills.
  2. Bodily Injury Protection: It covers medical expenses, lost wages, and other costs related to bodily injuries sustained in the accident.
  3. Stacking Policies: In some cases, you may be able to “stack” multiple UIM policies if you have more than one vehicle insured under the same policy, potentially increasing your coverage limits.
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Why Underinsured Motorist Coverage Is Essential

Despite the legal requirement for drivers to carry liability insurance, many drivers either do not have insurance or have only the minimum required coverage, which is often insufficient in serious accidents. In Arizona, the minimum liability coverage is $25,000 per person, $50,000 per accident for bodily injury, and $15,000 for property damage. These amounts can quickly be exhausted in a severe accident, leaving you with significant out-of-pocket expenses.

The Legal Landscape of Underinsured Motorist Coverage in Arizona

Arizona law requires insurance companies to offer UIM coverage to policyholders, but drivers are not required to purchase it. Many drivers opt out of this crucial coverage, leaving themselves vulnerable in an accident with an underinsured driver.

Recent Legal Developments

In a landmark decision in July 2023, the Arizona Supreme Court ruled that injured drivers must be allowed to “stack” or combine UIM coverages for multiple vehicles insured under the same policy. This ruling significantly enhances the protection available to accident victims, allowing them to claim higher compensation amounts.

The Process of Filing an Underinsured Motorist Claim

Filing a UIM claim involves several steps, and it is essential to follow the correct procedures to ensure your claim is successful. Here is a step-by-step guide to the process:

1. Secure Policy Information

The first step is to obtain the insurance policy information from the at-fault driver. This will help determine their liability coverage limits and whether it is sufficient to cover your damages.

2. Determine Additional Coverage

Your attorney will investigate if anyone in the at-fault driver’s household has additional insurance coverage that could be used to compensate you. If such coverage exists, it can be pursued to cover your losses.

3. Review Your Insurance Policy

If the at-fault driver’s insurance is insufficient, your attorney will review your insurance policy to determine if you have UIM coverage and the extent of that coverage. This step is crucial to understanding your options for additional compensation.

4. File a Claim

Once it is established that UIM coverage is available, your attorney will file a claim with your insurance company. This claim will outline the damages you seek, including medical expenses, lost wages, pain and suffering, and other related costs.

5. Negotiation and Settlement

Your attorney will negotiate with your insurance company to reach a fair settlement. Insurance companies often try to minimize payouts, so having an experienced attorney like Garrick McFadden on your side is essential to ensure you receive the compensation you deserve.

6. Litigation

If a fair settlement cannot be reached, your attorney may need to file a lawsuit against the insurance company. This step involves presenting your case in court and advocating for your rights to secure the compensation you are entitled to.

Why You Need Garrick McFadden and GAMESQ, PLC

Navigating the complexities of underinsured motorist claims can be challenging, and having an experienced attorney on your side can make a significant difference. Here are several reasons why you should hire Garrick McFadden and his black-owned law firm, GAMESQ, PLC:

Expertise in Personal Injury Law

Garrick McFadden has extensive experience in personal injury law, with a deep understanding of the intricacies involved in underinsured motorist claims. His expertise ensures that your case is handled with the highest level of professionalism and competence.

Proven Track Record

Garrick McFadden has a proven track record of securing significant client settlements and verdicts. His dedication to achieving justice for his clients has resulted in millions of dollars in compensation for accident victims.

Personalized Attention

At GAMESQ, PLC, you are not just another case. Garrick McFadden takes the time to understand your unique situation and provides personalized legal advice and representation. He is committed to ensuring that each client receives the attention and support they need throughout the legal process.

Commitment to Justice

As an African-American attorney, Garrick McFadden is deeply committed to advocating for the rights of underserved communities. He understands the unique challenges African Americans face in the legal system and is dedicated to ensuring that his clients receive fair and just treatment.

No Upfront Costs

Garrick McFadden works on a contingency fee basis, meaning you do not pay any legal fees unless he wins your case. This ensures you can focus on your recovery without worrying about legal expenses.

The Importance of Legal Representation

Hiring a skilled personal injury attorney like Garrick McFadden can significantly improve your chances of receiving fair compensation. Here’s how he can help:

Negotiating with Insurance Companies

Insurance companies often try to minimize payouts by arguing that your injuries are not severe or are pre-existing conditions. Garrick McFadden has the skills and experience to counter these arguments and negotiate effectively on your behalf.

Gathering Evidence

Garrick McFadden will gather and preserve crucial evidence to build a strong case. This includes obtaining medical records, accident reports, and witness statements, as well as consulting with medical experts to provide testimony on the extent of your injuries.

Expert Legal Representation

With years of experience in personal injury law, Garrick McFadden knows how to navigate the legal system and advocate for your rights. He will represent you in negotiations, arbitration, and court proceedings to ensure you receive the compensation you deserve.

Peace of Mind

By handling all the legal aspects of your case, Garrick McFadden allows you to focus on your recovery. He will keep you informed throughout the process and provide the support you need to navigate this challenging time.

The Legal Process for Underinsured Motorist Claims

1. Initial Consultation

The first step is to schedule a free consultation with Garrick McFadden. During this meeting, Garrick will review the details of your case, answer any questions you may have, and explain the legal process.

2. Investigation and Evidence Gathering

Garrick will gather all necessary evidence to build a strong case. This includes obtaining medical records, accident reports, and witness statements. He may also consult with medical experts to provide testimony on the extent of your injuries.

3. Filing a Claim

Once all evidence is gathered, Garrick will file a personal injury claim with the at-fault party’s insurance company. This claim will outline the damages you seek, including medical expenses, lost wages, pain and suffering, and other related costs.

4. Negotiation and Settlement

Garrick will negotiate with the insurance company to reach a fair settlement. He will use his expertise to counter arguments that your injuries are not severe or pre-existing conditions.

5. Litigation

Garrick is prepared to take your case to court if a fair settlement cannot be reached. He has extensive trial experience and will advocate for your rights to ensure you receive the compensation you deserve.

Why Choose Garrick McFadden and GAMESQ, PLC?

Garrick McFadden is not your average personal injury lawyer. With a deep commitment to justice and a thorough understanding of personal injury law, Garrick goes above and beyond to ensure that every client receives the compensation they deserve. Here’s why you should choose GAMESQ, PLC:

  • Proven Track Record: Garrick has successfully represented numerous clients in personal injury cases, securing significant settlements and verdicts.
  • Client-Centered Approach: Garrick takes the time to understand each client’s unique situation and provides personalized legal advice and representation.
  • Expertise in Underinsured Motorist Claims: With extensive experience handling underinsured motorist claims, Garrick knows how to build a strong case and counter insurance company tactics.
  • No Upfront Costs: You do not pay any legal fees unless Garrick wins your case, allowing you to focus on your recovery without financial stress.

Conclusion

Underinsured motorist coverage is essential for protecting yourself and your loved ones in a car accident with an underinsured driver. Navigating the complexities of UIM claims can be challenging, but with the assistance of skilled personal injury attorney Garrick McFadden, you can secure the compensation you deserve. Garrick McFadden and his black-owned law firm, GAMESQ, PLC, are dedicated to providing exceptional legal representation for car accident victims in Phoenix, Arizona. With his expertise, personalized approach, and commitment to justice, Garrick is the ideal choice for anyone seeking legal representation for underinsured motorist claims. Contact GAMESQ, PLC today for a free consultation and take the first step towards securing the compensation you deserve.