Arizona · Personal injury · Trial-ready representation
When the at-fault driver has no insurance — or not enough — your own UM/UIM coverage may be the only meaningful source of recovery. Big Dog Law handles UM/UIM claims statewide.
Arizona has one of the highest rates of uninsured and underinsured drivers in the country. Combined with low statutory minimum limits, the result is predictable: serious crashes regularly produce damages that exceed any available liability coverage. UM and UIM coverage on your own policy is what fills that gap — and is the most under-utilized coverage Arizona drivers carry.
UM/UIM in plain English
A serious crash with surgery, ICU time, or rehab routinely produces six-figure medical bills. When the at-fault driver carries the legal minimum, the difference between your damages and their available coverage is exactly what UM/UIM is designed to cover.
Identify all available liability coverage
Your attorney pulls every layer — driver, vehicle owner, employer, rideshare platform.
Tender to the liability insurer
Settle within their available limits — but only with your UM/UIM carrier's consent.
Notify your UM/UIM carrier in writing
Required by your policy. Missing this step can defeat coverage entirely.
Document the gap
Show that damages exceed the at-fault coverage. Demand the difference from your UM/UIM carrier.
Negotiate, mediate, or arbitrate
Many policies require arbitration if UM/UIM doesn't resolve. The procedure is contractual and policy-specific.
Hit and run
The other driver fled the scene and was never identified.
Uninsured at-fault driver
The other driver had no policy at all.
Lapsed coverage
The at-fault driver's policy had been cancelled before the crash.
Stolen vehicle
The at-fault driver did not have permission to use the vehicle.
Underinsured
The at-fault driver had a policy, but the limits do not cover your damages.
Phantom vehicle
A non-contact crash caused by a vehicle that left the scene without contact (specific proof requirements apply).
Multi-vehicle policies
When your policy covers multiple vehicles, stacking may multiply available UM/UIM limits.
Resident relatives
Coverage on a parent's, spouse's, or other resident relative's policy can apply if you live in the household.
Umbrella policies
Some umbrellas include UM/UIM — high-value but easily missed.
Was the at-fault driver uninsured or underinsured?
Free, confidential consultation. No fee unless we recover.
Free consultation
Tell us about your case. We'll review the facts and explain your options at no cost.
