What if the faulty driver of the accident had no insurance?
As a practical matter, you can only recover from a car accident if the faulty party has available assets or insurance. In some instances, a faulty driver who does not carry his or her own insurance may nonetheless be covered by another person’s insurance policy. Additionally, if the faulty driver was acting during the scope of his employment at the time of the car accident, he or she may be covered by his or her employer’s insurance. If your own insurance policy provides you with “uninsured motorist coverage,” you may be compensated by your own insurance company if the faulty driver has no insurance. Given the complexity and nuances of these various insurance coverage issues, it is advisable to seek the assistance of our Phoenix, Arizona car accident lawyers to determine the existence of insurance or other assets that may be available to satisfy your claim.
