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.