In Arizona, if you want to be fully protected, you should consider a comprehensive auto insurance policy that goes beyond the state’s minimum requirements. Here’s a breakdown of the key coverages to include:
1. Mandatory Minimum Coverage in Arizona
Arizona requires drivers to carry the following minimum liability insurance:
- Bodily Injury Liability:
- $25,000 per person
- $50,000 per accident
- Property Damage Liability:
- $15,000 per accident
While these are required, they may not be sufficient to fully protect you.
2. Recommended Additional Coverage
To be fully protected, consider adding the following:
a. Uninsured/Underinsured Motorist Coverage
- Covers you if the other driver doesn’t have insurance or doesn’t have enough to cover your costs.
- Protects against medical expenses and damages.
b. Comprehensive Coverage
- Pays for damage to your vehicle caused by non-collision incidents, such as:
- Theft
- Vandalism
- Natural disasters
- Falling objects or animal strikes
c. Collision Coverage
- Covers damage to your vehicle regardless of who is at fault.
d. Medical Payments Coverage (MedPay)
- Covers medical expenses for you and your passengers after an accident, regardless of fault.
e. Personal Injury Protection (PIP)
- Not required in Arizona but useful to cover medical expenses, lost wages, and other costs after an accident.
f. Rental Reimbursement
- Covers the cost of a rental car while your vehicle is being repaired after a covered accident.
g. Roadside Assistance
- Provides towing, jump-starts, and other emergency services.
h. Gap Insurance
- Covers the difference between the value of your car and the amount you owe on a loan or lease if your car is totaled.
i. Higher Liability Limits
- Consider increasing your limits to:
- $100,000 per person
- $300,000 per accident for bodily injury
- $50,000+ for property damage
3. Special Considerations in Arizona
- Natural Disasters: Arizona is prone to dust storms, floods, and hail. Comprehensive coverage is crucial for protection against these events.
- High Number of Uninsured Drivers: Arizona has a significant percentage of uninsured drivers, making uninsured motorist coverage particularly important.
4. Cost-Saving Tips
- Bundle policies (e.g., auto and home insurance) for discounts.
- Maintain a clean driving record.
- Opt for a higher deductible if you can afford it.
- Compare quotes from multiple insurers.
By selecting the right combination of coverage types and limits, you’ll ensure comprehensive protection for yourself, your passengers, and your vehicle in Arizona.
Disclaimer:
Catastrophic Injury Attorneys only practices law in Arizona. This article is intended for informational purposes only and does not constitute legal advice. Always consult with a licensed attorney for specific legal guidance.
