Si resulta gravemente herido en un accidente automovilístico y el conductor culpable no tiene seguro o tiene cobertura insuficiente, aún puede recuperar una compensación a través de su propia póliza de automovilista sin seguro (UM) o con seguro insuficiente (UIM).
La cobertura UM se aplica cuando el otro conductor no tiene seguro o no puede ser identificado, como en un accidente relacionado con atropello y fuga o escombros.
La cobertura UIM se aplica cuando la póliza del conductor culpable no cubre completamente sus daños. Por ejemplo, si sus facturas médicas suman $50,000 pero el otro conductor solo tiene la cobertura mínima de $15,000 de Arizona, su póliza UIM puede ayudar a pagar los costos restantes.
Aunque estos reclamos pasan por su propio seguro, las compañías a menudo intentan minimizar los pagos. Un abogado experto en lesiones personales puede negociar en su nombre, asegurarse de que su cobertura UM / UIM se aplique correctamente y luchar para asegurar la compensación que se merece.
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.
