If you’re seriously injured in a car accident and the at-fault driver has no insurance or insufficient coverage, you may still recover compensation through your own Uninsured (UM) or Underinsured Motorist (UIM) policy.
UM coverage applies when the other driver has no insurance or can’t be identified—such as in a hit-and-run or debris-related crash.
UIM coverage applies when the at-fault driver’s policy doesn’t fully cover your damages. For example, if your medical bills total $50,000 but the other driver only has Arizona’s $15,000 minimum coverage, your UIM policy can help pay the remaining costs.
Even though these claims go through your own insurance, companies often try to minimize payouts. A skilled personal injury lawyer can negotiate on your behalf, ensure your UM/UIM coverage is applied correctly, and fight to secure the compensation you deserve.
John Torgenson is a highly experienced personal injury lawyer with over 20 years of practice in Arizona. He earned his Bachelor’s degree from the University of Utah and his Juris Doctor from Notre Dame. John has a proven track record of securing substantial verdicts and settlements, including an $8.25 million recovery for a gunshot injury victim. His expertise has earned him AVVO ratings and recognition as a Super Lawyer.
John is also a sought-after lecturer on personal injury law, sharing his extensive knowledge with peers and aspiring attorneys. Beyond his legal practice, John is an avid golfer and actively supports organizations like the Military Assistance Mission, Arizona School for the Arts, Page Balloon Regatta, University of Arizona Foundation, Junior Achievement of Arizona, and the Tim Huff Pro Bono Golf Classic.
Passionate about advocating for injury victims, John dedicates his career to battling insurance companies and corporate interests, ensuring that the rights of those who are hurt are vigorously defended.
