Uninsured/Underinsured Motorist Coverage Explained
Your Uninsured/Underinsured Motorist (UM/UIM) coverage pays for your treatment when the at-fault driver lacks insurance or doesn't have enough coverage.
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What Happens If the At-Fault Driver Has No Insurance?
Unfortunately, Arizona has one of the highest uninsured driver rates in the country — approximately 12% of drivers lack insurance. If you're injured by an uninsured driver, or by a driver whose coverage is insufficient for your injuries, your own Uninsured/Underinsured Motorist (UM/UIM) coverage provides essential protection. This coverage pays for your medical treatment, lost wages, and pain and suffering when the at-fault driver can't. Arizona law requires insurers to offer UM/UIM coverage (though you can decline it). AZ Spine strongly recommends carrying UM/UIM limits equal to your liability limits. Even with an uninsured at-fault driver, you can receive full treatment through your UM/UIM coverage.
Last updated: February 2026
Key Takeaway
Your Uninsured/Underinsured Motorist (UM/UIM) coverage pays for your treatment when the at-fault driver lacks insurance or doesn't have enough coverage.
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