What Does Minimum Auto Insurance Coverage Mean?
Reader’s Question:
Hi everyone! I’m having a hard time understanding the auto insurance quote that an agent gave me. He says it’s the minimum auto insurance requirement in Arizona. Can someone explain in simple terms what this actually covers?
Faith
Glendale, AZ
Hello there, Faith! I’d be glad to help you out.
For starters, the minimum auto insurance coverage required in Arizona are as follows: $15,000 per person of bodily injury liability insurance with a maximum of $30,000 per accident and a $10,000 property damage liability insurance. If you are found to be the person at fault in an accident, the bodily injury liability insurance will pay for the costs of medical expenses, lost wages and pain and suffering of the injured party. It will also provide legal defense if ever you get into a lawsuit resulting from the accident. On the other hand, the property damage liability insurance will cover the expenses for damage to another person’s properties, as well as any legal costs associated with the accident.
Aside from the minimum insurance required, I would also suggest that you look into getting some add-on auto insurance coverage for collisions and a comprehensive auto insurance, as well, to cover for any other thing that could result to the damage or loss of your vehicle.
Why don’t you give your agent in Arizona a call? I’m sure your auto insurance agent will be able to enlighten you on your auto insurance companies’ policies and processes, and this will aid you in making an informed decision before you actually pay for your auto insurance.
Need Uninsured Motorist Coverage Car Insurance in Arizona?
Reader’s Question:
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.
Will Liability Car Insurance Cover Uninsured Motorist Damage
Reader’s Question:
I was hit by uninsured driver and I have a liability coverage on my car and uninsured motorist coverage. Will this cover the damage to my car?
George
Thank you for asking George.
In Arizona, uninsured motorist is for bodily damages. Typically an uninsured motorist (UMBI) in Arizona policy 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.
In addition to that, uninsured motorist will pay for these coverages to you, and/or your family members who live with you and passengers in your car. The damages to your vehicle or other property will not be covered by this . You would need collision coverage on your car to get your property damage covered by your insurance provider.
Uninsured motorist property damage is not available in all states with including the state of Arizona. Only UM bodily injury is available so this must be the type of coverage that you have.
Goodluck!
MariCAR
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