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Arizona Auto Insurance: What to Buy?

Arizona auto insurance coverage is required under the state’s Financial Responsibility Law which states that each vehicle owner and individual licensed to drive within Arizona must possess sufficient insurance coverage to pay for possible damages and injuries that one may cause in the course of operating a vehicle.

What basic insurance coverage is required in Arizona?
The law governing Arizona auto insurance only requires for a motorist to have coverage on Bodily Injury and Property Damage. The minimum coverage limit for Bodily Injury is set at $15,000 per person in each accident, and $30,000 for two or more persons in one accident. This said limit will be the maximum amount your insurance company will pay for the injuries or death you have caused to the other party in an accident.

On Property Damage, minimum limit is set at $10,000. This type of liability insurance coverage will pay for the damages you have inflicted to other person’s properties such as their vehicle, damages to infrastructures or buildings and the contents thereof, road signs, fences and among others. Though there are set minimum limits, an insurance buyer may opt to buy Bodily Injury and Property Damage coverage with higher limits. An prospective insurance buyer in Arizona may also opt to buy bundled or combined coverage which have a minimum limit of $40,000 already covering the Bodily Injury and Property Damage.

Aside from those discussed insurance coverage, one may also buy optional and additional coverage to their insurance policy. The principle is, the wider your insurance coverage the better protected you are. And to point it out, what is only being required in Arizona is liability insurance – coverage that will pay for the injuries and damages you have inflicted to other people and their properties. So, how about the damages you have incurred to yourself or to your property? Who will pay for them? It is for this reason that you may opt to include Collision, Comprehensive, Medical Payments, or the Underinsured/Uninsured Motorist Coverage.

The importance of having yourself insured
No matter how careful you are, accidents do happen. And when these involved your vehicle, you might expect claims and lawsuits from the aggrieved parties. Claims and lawsuits will cost you money, and if you don’t possess enough insurance coverage then you might find yourself in a tough situation paying for the damages, the medical expenses and lost wages of those injured, including the cost for their pain and suffering.

To be assured of financial security when those unfortunate incidents happen, get your Arizona auto insurance policy now from Start by getting our affordable quotes through the links provided above or call our Toll-Free hotline (800) 807-0762 for more information or assistance.

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