Scenario: You are driving down the road and all the sudden something falls off another vehicle and/or your vehicle strikes an object in the road that should not be on a road or highway.
There's property damage to your vehicle and you are injured and need medical attention. However, there is no way to determine the identity of the driver or vehicle that dropped the debris in the roadway. Do you have any rights?
Under Arizona law, sustaining injuries as a result of roadway debris, in a circumstance where the driver or vehicle who left the debris cannot be ascertained, qualifies you for coverage under your Uninsured Motorist policy.
You will need to prove that the debris in the roadway was more likely than not left by a vehicle for which the identity cannot be ascertained. This sounds easy enough, but is not always so. And I promise you, your insurance company will probably fight you on the claim.
Insurance companies are supposed to exist for our protection. But when it is time for you to make a claim, to obtain the financial protection you purchased and continue to pay for, you are in an adverse position to your insurance company.
If they can pay you nothing, they'll pay you nothing. If they know they have to pay something, then they will do what they can to pay you as little as possible. How do you protect yourself?
Contact an experienced personal injury lawyer. Remember, almost all personal injury attorneys do not charge a consultation fee. So, why not take the time to ask questions and educate yourself, and then decide if you really need to hire an attorney or whether you are comfortable in dealing with an insurance company on your own?
Keep in mind, dealing with insurance companies can be a very risky business. Get educated and informed, and then make the best decision for yourself.