Arizona Auto Insurance

Liability:

It pays for damages due to bodily injury and property damage to others for which you are responsible. Bodily injury damages include medical expenses, lost wages and pain and suffering. Property damage includes damaged property and loss of use of property. State laws usually mandate minimum amounts, but higher amounts are available and usually recommended.

Personal Injury Protection (no-fault coverage)

This is required in many states. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. It may also pay for lost earnings, replacement of services and funeral expenses. State law usually sets minimum required amounts.

Medical Payments

This coverage is available in some states (usually the states without no-fault insurance), and pays regardless of who may have been at fault. It pays for an insured person’s reasonable and necessary medical and funeral expenses for bodily injury from a crash.

Collision Insurance

This type of coverage protects your vehicle from damages that result from an accident with another vehicle or with other objects on the road. If your vehicle is in a car accident, the insurance will pay for repairs or if the car is totaled will cover the cost to replace it, up to the fair market value of the vehicle. Collision coverage usually comes with a deductible (the amount you pay before the insurance policy does). The higher the deductible, the less collision coverage will cost.

Comprehensive

This type of coverage protects your vehicle from damages that are a result of things other than a collision. For instance, if your radio was stolen and the burglar broke your window and ruined your dashboard, the auto insurance can cover your losses and fix the damage. Theft, flood, hurricane, windshield damage and fire are commonly covered by comprehensive car insurance. Although not legally required by any state, if your vehicle is financed you will probably need it.

Uninsured Motorist

This pays damages when an insured person is injured in a crash caused by another person who does not have liability insurance or by a hit and run driver.

Underinsured Motorist

This pays damages when an insured person is injured in a crash caused by another person who does not have enough liability insurance to cover the full amount of the damages.