What if the driver at fault in a bicycle accident does not have enough insurance?

If the driver at fault in a bicycle accident in Arizona does not have enough insurance, several options are available to the injured cyclist. Depending on the specific circumstances of the accident, the at-fault driver may face civil penalties and/or criminal charges related to leaving the scene of the accident. In addition, the injured cyclist may seek compensation through a civil lawsuit against the at-fault driver. In Arizona, uninsured motorist coverage (UIM) is a form of insurance held by the injured cyclist, rather than the at-fault driver, which is designed to provide compensation in the event of a hit-and-run or an accident with an uninsured driver. UIM coverage includes expenses such as medical bills, lost wages due to injury, and pain and suffering. In some instances, UIM coverage may include property damage. It is important to note, however, that the UIM payout is restricted to the amount stated in the policy. In the event that UIM coverage is insufficient or unavailable, other potential sources of compensation may exist. For example, the injured cyclist may be able to pursue a complimentary claim, which allows them to seek compensation from other parties that may be partially at fault, such as the state, county, or municipality responsible for maintaining the road where the accident occurred. Additionally, the injured cyclist may be able to pursue a claim against their own insurance provider if the coverage is sufficient to cover the accident-related expenses. The specific consequences for the at-fault driver, and the compensation options for the injured cyclist, can vary significantly depending on the nature of the accident and other relevant factors. Therefore, it is important for the injured cyclist to seek legal advice as soon as possible after the accident.

What if the driver at fault in a bicycle accident does not have enough insurance?

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