I have an auto insurance policy in Deer Valley, Arizona AZ and just recently I’ve included a rider on it known as uninsured motorist coverage. I was wondering, why do we have to get this rider? I think Arizona states regulation requires all motorists to get an auto insurance.

Reeve

Deer Valley, AZ

If we are going to base it in our laws and regulation in Deer Valley, Arizona AZ, it is clear that all drivers and motorist are required to have license and auto insurance with them. But I regret to say this to you that nobody in this world is perfect!

Several reasons behind that lead to some of us Americans to neglect auto insurance policy as required by the law. Number one reason is the economic curl, many Americans now wants to slash down their monthly expenses sacrificing auto insurance. The rider that you added which is the uninsured motorist will not only cover you from those uninsured motorist but also it will cover you from those under insured motorist. Normally they have auto insurance policy but only limited and do not include the damages as a result of the accident.

The uninsured auto insurance rider that you have will give you peace of mind during unexpected turn of events on an accident in Deer Valley, Arizona AZ. It covers you as the policy owner, all the names declared on your policy, and your passengers. It also provides payments for medical expenses, lost wages due to accidents at the same time you can also help those at fault uninsured drivers or underinsured drivers, the rider can pay the cost of the damage. This is a very good protection to keep you as the policy holder away from the court. It doesn’t matter how excellent this rider is, accident is accident and no one wants to get involve with it. You can shop for free quotes online to assess your options for auto insurance in Arizona. Just like any other insurance sites out there, this website can lead you to auto insurance rates comparison chart by using the relevant form.

I was driving my way to work. As I was sitting at a red light, someone just rear-ended me. It wasn’t my fault, but my car insurance premiums in Arizona just went up. What happened here?

Tracy

Gilbert, AZ

That’s quite tough, Tracy.

Chances are, your auto insurance company in Arizona might be penalizing you for an accident or traffic violation that happened to you even months before that recent incident. For someone who has a spotless driving record, it is very unlikely that the auto insurance premiums will increase after any accident that is not your fault. But even a single traffic violation or any fender-bender in the past will surely yield an auto insurance increase. Every company would vary with regards to length of time between accidents in classifying you as “accident prone”.
Determining who’s at fault in any driving mishap is always by the traffic authorities. Whoever gets the ticket during any incident is always the one at fault and you can never turn that around even if you think you had no fault. With what happened to you though, even if you were rear-ended while you were minding your own business, your auto insurance company will still base premiums on risk factors. Try to recall if you’ve had any speeding ticket or other traffic violations prior to this accident you just had. If you had one, then your auto insurance company might have deemed you to be an at-risk driver. The increase then is not necessarily because of the most recent accident. Auto insurance rates are correlated to your overall propensity toward accidents.