The Hidden Gap in Auto Insurance: Why Arizona Drivers Need Uninsured Motorist Coverage

When most people shop for auto insurance, they focus on liability limits, deductibles, and maybe comprehensive coverage. But there’s one piece of coverage that many Arizona drivers underestimate, or skip altogether: uninsured motorist (UM) and underinsured motorist (UIM) coverage.

​The Reality in Arizona

According to the Insurance Research Council, about 12% of drivers in Arizona are uninsured. That means if you’re hit by one of them, there’s a real chance you’ll be left paying for medical bills and damages out of pocket.

Even if the other driver is insured, many carry only the state minimum liability limit of $25,000 per person / $50,000 per accident, which doesn’t go far in a serious crash.

What UM and UIM Coverage Do
• Uninsured Motorist (UM): Protects you if you’re hit by a driver who has no insurance at all.
• Underinsured Motorist (UIM): Steps in when the at-fault driver’s insurance isn’t enough to cover your losses.

These coverages pay for:
• Medical expenses
• Lost wages
• Pain and suffering

Real-Life Example

Imagine you’re in an accident and your medical bills total $80,000. The at-fault driver only has the Arizona minimum of $25,000 in coverage. Without UIM, you’re stuck with the remaining $55,000. With UIM, your policy steps in to fill that gap.

Why It’s Worth It

UM and UIM coverage are relatively inexpensive compared to the financial devastation of being uninsured in a serious accident. It’s one of the smartest add-ons you can make to your policy.

The Bottom Line

Driving in Arizona comes with risks, and relying on other drivers to carry enough insurance isn’t a plan. Uninsured and underinsured motorist coverage ensures that no matter who’s on the road, you and your family are protected.