The answer to this question changes from state to state.
In Arizona, driving without insurance is not a limitation or a bar to an injured person obtaining a recovery in a car accident case.
Essentially, the lack of insurance has no bearing on how the crash occurred and/or who did what wrong. That is what is important.
Though insurance is mandatory, we know that as many as 20% of drivers do not have it.
Regardless, your right to seek a legal recovery for an accident is still based upon the concept of FAULT in Arizona.
If you are in a crash, and not at fault, you should be able to obtain a full settlement for your damages.
Is a personal injury attorney 100% necessary in an auto accident with clear liability?
It is a fact: An attorney is not 100% necessary. But does that mean that you should not have one?
If in a crash, you will be dealing with insurance company people. Are you comfortable with this?
If possible, they will pay you nothing. If they cannot pay you nothing, they will pay you as little as possible.
What should you say? What should you not say? Do you know? If you make a mistake, it could be very detrimental to your case.
The statistics show that having an experienced injury attorney will increase your settlement amount by 30% or more. Essentially then, the presence of an attorney more than pays for itself and gets you more money in your pocket. If so, why would you want to handle the case on your own?
Again, it is not 100% necessary to use an attorney. But given the above information, why would you take the chance?