You Still Have Options—Even If the Other Driver Has No Insurance
Being injured in a car accident is stressful enough—but discovering the other driver has no insurance can make the situation feel overwhelming. Unfortunately, uninsured drivers are a real issue on Arizona roads. If you’re hit by an uninsured driver, you may still have options to recover compensation for your injuries and losses.
Below is what you need to know about uninsured drivers in Arizona and how a personal injury attorney can help protect your rights.
Is Car Insurance Required in Arizona?
Yes. Arizona law requires all drivers to carry minimum liability insurance, including:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $15,000 for property damage
Despite this requirement, many drivers allow their coverage to lapse or drive without insurance altogether. When that happens, accident victims are often left wondering who will pay for medical bills, vehicle repairs, and lost wages.
Your Options If the Other Driver Is Uninsured
If the at-fault driver has no insurance, you may still be able to recover compensation through one or more of the following avenues.
- Uninsured Motorist (UM) Coverage
Uninsured Motorist coverage is one of the most important protections Arizona drivers can carry. While it is not mandatory, insurance companies are required to offer it.
UM coverage may help pay for:
- Medical expenses
- Lost income
- Pain and suffering
- Future medical care
If the other driver has no insurance, your own insurance policy may step in through UM coverage. These claims can still be disputed by insurance companies, which is why legal representation is often critical.
- Underinsured Motorist (UIM) Coverage
Sometimes the other driver has insurance—but not enough to fully cover your damages. In these situations, underinsured motorist coverage may apply.
UIM coverage can help bridge the gap between the at-fault driver’s policy limits and the true cost of your injuries.
- Filing a Lawsuit Against the Uninsured Driver
You may also have the option to file a personal injury lawsuit directly against the uninsured driver. However, this approach depends on whether the driver has assets or income that could realistically satisfy a judgment.
Many uninsured drivers lack the financial resources to pay significant compensation, which is why insurance-based recovery options are often more effective.
- Other Potential Sources of Compensation
Depending on the circumstances, additional options may include:
- A claim against the vehicle owner if the uninsured driver was not the owner
- Employer liability if the driver was working at the time of the crash
- Claims involving defective road design or government negligence (with strict deadlines)
An experienced Arizona car accident attorney can evaluate whether any third parties may be legally responsible.
What to Do After an Accident with an Uninsured Driver
If you’re involved in an accident and suspect the other driver is uninsured, take these steps:
- Call law enforcement and request an accident report
- Seek medical attention immediately
- Gather photos, witness information, and documentation
- Do not give a recorded statement to any insurer without legal advice
- Contact a personal injury lawyer as soon as possible
Early action helps preserve evidence and prevents insurance companies from minimizing your claim.
Arizona Time Limits Still Apply
Even if the at-fault driver is uninsured, Arizona’s statute of limitations still applies. In most car accident cases, you have two years from the date of the accident to file a personal injury lawsuit.
Claims involving government entities or special circumstances may have much shorter deadlines.
How an Arizona Car Accident Lawyer Can Help
Uninsured motorist claims are often more complicated than standard car accident cases. Even though you’re dealing with your own insurance company, they are still focused on limiting payouts.
At Rideout Law Group, we help accident victims in Scottsdale, Lake Havasu City, and throughout Arizona by:
- Identifying all available sources of compensation
- Handling UM and UIM insurance claims
- Pushing back against low settlement offers
- Protecting your rights and meeting all legal deadlines
Get Legal Help After an Uninsured Driver Accident in Arizona
If you were hit by a driver with no insurance, you are not out of options—but time matters. The sooner you get legal guidance, the better your chances of securing fair compensation.
Contact Rideout Law Group today for a confidential consultation and learn how we can help you move forward after an uninsured driver accident in Arizona.
📍 Scottsdale Office: 11111 N Scottsdale Rd, Suite 225, Scottsdale, AZ 85254
📍 Lake Havasu City Office: 2800 Sweetwater Ave, Suite A104, Lake Havasu City, AZ 86406
📞 Call us today at (480) 584-3328 or (928) 854-8181 for a free consultation.
This blog post is for informational purposes only and does not constitute legal advice. Reading this content does not create an attorney-client relationship. For legal guidance specific to your situation, please contact a licensed attorney at Rideout Law Group.