Private passenger vehicle insurance is required by law in the state of Arizona, and for good reason. It's expensive to replace a car, or pay for legal liability for property damage or bodily injury in the case of an accident. Auto insurance coverage is pretty straightforward and comprised of three main parts:
Coverage A - Liability
Liability coverage covers your liability in an accident if you are found to be at-fault and pays for the property damage and bodily injury of the other party involved.
Coverage - C Uninsured and Underinsured Motorist
Uninsured Motorist covers you in an accident if someone who hit you leaves the scene of the accident and cannot be found, or that person does not have insurance. Uninsured Motorist covers you inside or outside your vehicle for incidents involving a vehicle.
Uninsured Motorist covers you in an accident if someone who is responsible for the accident has insurance but doesn’t have enough insurance to cover their liability for your medical or property damage expenses.
Coverage D - Collision and Other Than Collision (Comprehensive)
Collision covers damage to your auto in the case of collision with property, whether it’s another vehicle or an object such as a pole.
Comprehensive covers incidents to your vehicle for things other than collision. Some examples of coverage incidents include hail damage, a tree falling on your vehicle, and similar events.
What Is A Covered Auto?
Just as it is important to understand who is covered, it is also important to understand what is covered.
Like the 38 other at-fault states, Arizona holds the driver who caused the accident financially responsible for any property damage, medical bills, lost wages, or additional associated costs suffered by the other driver. The minimum amount of acceptable liability coverage consists of: up to $25,000 for bodily injury to any one person, and up to $50,000 for injuries to two or more persons per incident, and up to $15,000 per incident for property damage liability. Our very experienced, professional agents at Oakley Insurance Group will work with you to make sure your vehicle and your family get the coverage you need.
"We worked with both Shawn and Tina. Both provided excellent service and were very thorough in explaining the coverages and costs. Insurance can be very tricky if you don't know what your doing. Having Shawn as a knowledgeable resource made the process much easier and we felt confident with our decision. Highly recommend the office for any of your insurance needs."
- Chris Towner
"Outstanding service, value, products. I do business with Oakley regularly and recommend borrowers there. They consistently do a great job!"
- Jerry Valenzuela
"Shawn, Cathy and the team at Oakley Insurance Group are a delight to work with. During a stressful experience of a car accident it was nice to know they had my back and best interest at heart.
Their team is also very personable, you will be treated with compassion, respect and kindness. Above all, you will receive excellent customer service, something that's sadly not as important as it used to be.
Thanks again Shawn and Team at Oakley Insurance Group! You're valued and appreciated!"
- T Hughes
"The staff in the office are great quick to respond and very helpful. Shawn is one in a million, she is the best broker I've ever known, they will always find the best rates for my insurance needs."
- Carol Henderson
"This is a great insurance agency they work hard and provide excellent service. Thank-you Oakley Insurance !"
- Jordan Hellebuyck