I was able to acquire auto insurance both Liability auto insurance and Comprehensive auto insurance in Flag Staff, Arizona AZ. I’m already familiar with this two. However, I’m not quite sure if I have knowledge about bodily injury insurance, can you please refresh me with this one?

Wilma

Flag Staff, AZ

With the current scenario in the public, I would say that all state requires all motorist and drivers to bring with them their drivers license and auto liability insurance policy. The only difference in every state I should say is the minimum coverage limits, which is set by respective state regulations. Bodily injury insurance is under definition of the liability insurance, it provides coverage for the expenses on medical issues, hospitalization and follows up check up regardless of which party you belong to. As long as your part of the accident, then you are part of the coverage.

Today hundreds and thousands of bodily injury insurance are being updated by each policy holder. Your concern is a very sensitive topic that you need to discuss things with your insurance agent in Flag Staff. It’s best for you to do this way so that you can get the information you want first hand. Your insurance agent will be willing to help you and could even cite example related to your concerns.

If you want to assess your auto insurance premium, you can use similar auto insurance sites and use the relevant form which can lead you to rates comparison charts for auto insurance in your area.

What is the coverage of the uninsured motorist insurance? I live in Arizona.

Freeman

Thank you for asking.

The Arizona Department of Insurance states that Uninsured Motorist coverage protects you or passengers in your vehicle for bodily injury you or your passengers sustain in an accident involving a driver who has no liability coverage.

This may also protects you or passengers in your vehicle for bodily injury you or your passengers sustain in an accident involving a driver who has insufficient insurance to cover your injuries or your passengers.

Uninsured motorist coverage (or UM) provides coverage for your medical bills, loss of earnings and pain and suffering if you suffer injuries as a result of a negligent drivers who does not have liability insurance, including a hit-and-run motorist. Underinsured motorist coverage (or UIM) provides coverage situation that your damages exceed the other driver’s liability coverage.

Goodluck!

MariCAR