Free Tool

ARE YOU UNDERINSURED?

Arizona only requires $25,000 in liability coverage. That won't cover a single surgery. Find out if your policy would actually protect you in a real accident.

Your current liability coverage (per person)
Do you have UIM coverage? (uninsured/underinsured motorist)
Your approximate annual income
$ /year
Used to calculate lost wages in each scenario
Your total protection (liability + UIM)
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What your coverage looks like in real accident scenarios
What you should do
    Why UIM coverage matters in Phoenix

    Nearly half of all car accidents in Phoenix are hit-and-runs. If the driver who hits you has no insurance — or only carries the $25,000 minimum — your UIM coverage pays the difference. Without it, you're on your own for everything above their policy limit. UIM coverage typically costs just a few dollars per month and is the single most important coverage most people don't have.

    → Read our full guide to UIM coverage in Arizona

    Think your friends are properly covered? They probably aren't.

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    ALREADY IN AN ACCIDENT?

    If you've been injured, we'll help you navigate your coverage — and the at-fault driver's coverage — to maximize your recovery.

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    This tool provides general estimates for educational purposes only and does not constitute insurance or legal advice. Actual medical costs and case values vary significantly based on individual circumstances. Cost ranges are based on Arizona healthcare data and Law Badgers PLLC case experience. Consult your insurance agent about your specific policy and coverage needs.

    Estimates based on Arizona healthcare costs, BLS wage data, and Law Badgers PLLC case experience

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