Uninsured motorist in Arizona is for bodily damages. An uninsured motorist (UMBI) policy in AZ will typically pay for medical expenses, lost wages, and pain and suffering caused by an uninsured motorist, hit and run driver or a miss and run driver.

Uninsured motorist in AZ will pay for these coverages to you, and/or your family members who live with you and passengers in your vehicle. It will not pay for damages to your vehicle or other property. You would need collision coverage on your vehicle to get your property damage covered by your insurance company.

Uninsured motorist property damage is not available in 24 states with Arizona being one of them. Only UM bodily injury is available and thus must be the type of coverage that you have.

The AZ DOT Motor Vehicle Division notes that to be reimbursed for damages done by an uninsured driver it is usually in your best interest to file a civil suit with the Clerk of the Superior Court and obtain a judgment. You can then file the judgment with the MVD and they will suspend the driver's driving privileges until the judgment is satisfied with the court.

Get an affordable automobile insurance for Arizona here.