Unfortunately, there are a high number of drivers in Arizona who either do not carry insurance or who carry only the statutorily mandated minimum amounts of insurance. If the other driver who caused your accident does not have insurance or is underinsured, that does not mean that you are completely out of luck. Questions of insurance coverage and personal collectability of people at fault for accidents can be highly complex. For example, a driver at fault for an accident who does not carry his or her own insurance may be covered by another person’s policy. In addition, in some instances, an employer’s insurance may cover an employee who caused the accident. Further, if you have uninsured motorist and underinsured motorist coverage under your own policy, you may be entitled to compensation from your own insurance company. At Fleming & Monroe, PLC, we explore every source of funds—insurance and otherwise—to see that you receive everything you rightfully deserve for your injuries and other losses. Contact us today for a free consultation.