Arizona Auto Insurance - Liability Coverage
Arizona Auto Liability Insurance - If you are at fault in an accident where coverage
under your auto policy applies and you have either injured other people (bodily injury) or
other people's property (property damage), liability insurance provides protection against the cost
of these damages.
On your Arizona Auto Insurance quote or Auto Insurance Declarations Page you will see 2 possible
options:
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Split Limits Auto Liability Coverage - Split limits of coverage with property
damage or just one combined limit number. For example, your quote or policy may say
100/300/50. This means that you have $100,000 of liability coverage for an injured
to 1 person; $300,000 for bodily injury per accident and $50,000 damage to the property
of others (other driver's cars).
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Combined Single Limit Auto Liability Coverage - If you only see one number like
$300,000 CSL, that means combined single limit. Basically one pot of money to be paid out
for any one accident regardless of what coverages a claim is paid out under.
On a personal auto policy in Arizona, the norm is policies written with split limits; however combined
single limit policies provide greater coverage generally.
Arizona Auto Insurance - Medical Payments Coverage
Auto Insurance - Medical Payments Coverage provides coverage for reasonable and necessary medical
bills from a covered accident. This coverage is considered to be a "No Fault" coverage and it doesn't
matter whether you are at fault or not, coverage is provided.
Arizona Auto Insurance - Uninsured & Underinsured Motorist Coverage
Auto Insurance - Uninsured & Underinsured Motorist Coverage - If a driver with no insurance
or lower limits of insurance causes your injury, this coverage may help cover bodily injury and repairs.
Essentially, this protection provides coverage making it that other drivers have the same limits of
liability that you do. By way of example, if you carry higher limits of liability - say $250/$500/$100
($250,000 per person, $500,000 per accident and $100,000 property damage) - and you have an accident
with serious injury caused by another driver with little or no coverage, you have recourse against this
coverage on your own auto insurance policy.
Arizona Auto Insurance - Collision Coverage
Auto Insurance - Collision Coverage - The policy will define collision coverage as sudden and
direct loss to your car. Collision coverage provides for repair costs for damages to your auto.
There is a deductible that applies to collision losses. The norm is $500 or greater now. If you
have a $10,000 collision claim to your car with a $500 deductible, the loss will be settled
at $9,500 ($10,000 - $500).
Arizona Auto Insurance - Comprehensive Coverage
Auto Insurance - Comprehensive Coverage - In short, comprehensive coverage is everything that
collision coverage isn't. If your car is damaged by a storm, or if you hit a deer, if something falls
on the car, if your car is stolen, or you break your windshield - these are all comprehensive claims.
Deductibles on comprehensive have been creeping higher - $500 or so is not unusual, but
comprehensive coverage costs less premium than collision coverage and covers many things you can't
control; A tree falling on your car for instance or your car getting stolen are clearly not within
your control.
Your time is your most valuable resource. When you need us, we will respond. In a few quick
minutes we can give you a free
AZ Auto Insurance Quote,
AZ Motorcycle Insurance Quote or
AZ RV & Motorhome Insurance Quote.
Call us at (480) 963-5622 or
contact us for answers to your Chandler Arizona Auto Insurance
questions and a fast and easy auto insurance quote for your car, truck, motorcycle or RV.
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