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Arizona Car Insurance Basics

Car insurance is mandated by state and federal law. Therefore, it becomes one of those necessary evils in life. Being educated on how to use to use price comparison techniques in order to shop for the most affordable rate on your car insurance will allow you to save a considerable amount of money. Complying with the law while remaining in the confines of you budget is not an impossible scenario. Arizona car coverage can be confusing. Between the jargon and legal language in your policy, the necessity to know what forms and monetary amounts of coverage you need does not make the idea seem any simpler. Your education on this subject is going to be important because you want to ensure that you have enough Arizona automobile insurance to adequately protect you in the event of an accident.

Arizona is a state that follows a Tort system when it comes to dealing with car collisions. This means that at least one party involved in the car crash must be determined to be at fault. This person and their coverage company then assume all financial responsibility for the medical expenses and car repair costs that the other drivers' incur. A motorist is only required to carry liability coverage in Arizona, and he or she must have minimum Bodily Injury Liability limits of $15,000 per injured person up to a total of $30,000 per accident, and Property Damage Liability coverage with a minimum limit of $10,000. These are referred to as the 15/30/10 coverage limits for Arizona car insurance. Currently, forty seven states in the country require that a motorist maintains liability insurance.

Looking into Required Arizona Car Insurance Coverage

Liability insurance can be split into two subsections: property damage liability insurance and bodily injury liability insurance. The latter form of Arizona car insurance pays for the medical expenses that other motorists in the collision incur. It will also pay for their funeral expenses should their injuries warrant death. The claims that are most typically filed under bodily liability insurance include claims of pain and suffering, medical expenses, and losses of income. In the event that you should find yourself being sued by another car driver, you will want to ensure that you have purchased large enough amounts of liability coverage to cover the amount of the judgment rendered against you. For this reason, it is wise to maintain the same level of liability coverage on all of the vehicles that you own. You should also be aware that bodily injury liability does not assist you with you medical expenses. The situations and scenarios that your policy will cover are listed in the terms and conditions of the policy. You should pay special attention to these so you know under what circumstances you are covered by your Arizona car insurance.

Property damage liability works in a similar manner to bodily injury liability coverage. This form of coverage will pay for the damages your car might inflict on another party's property. The definition of property is not strictly used to describe cars. It can include a fence, a house, or a mailbox. When you are selecting monetary amounts of this Arizona auto insurance to buy, you should keep in mind the weight and bulk of your car. For example, an SUV is going to cause much more physical damage in an accident than a VW Bug will. This will allow you to select the monetary amounts of coverage in accordance with the amount of damage your car is likely to do in a car accident. Once again, you should check the terms and conditions of your Arizona car insurance policy so that you know under what scenarios you are covered.

If you, as a motorist, were to select monetary amounts of either form of Arizona coverage that were too low, you can be putting yourself at risk financially. The minimums set by the state are just guidelines, and they do not take a lot of personal variables into account. If you were involved in an accident where the damages other parties incurred exceeded the maximum amount that your Arizona vehicle insurance company would pay, you would be held legally responsible for the remainder of the balance. In order to make restitution, a court can force you to liquidate physical and financial assets. Maintaining adequate Arizona auto insurance on your car is essential in order to protect yourself.

Additional Arizona Car Insurance Coverage that Can Be Purchased

Collision insurance will be required by the law in Arizona if you own a car that has an outstanding balance on it. This form of coverage will assist you in repairing your vehicle in the event of an accident. However, the maximum amount of money that your Arizona automobile insurance company will put towards your car's repairs will not exceed the maximums on your policy or the car's current market value, whichever comes first. Due to the eventual depreciation of cars and the financial limits of collision coverage, it may not be the most feasible form of coverage to maintain on older cars.

Comprehensive coverage acts a supplement to a collision policy. Its primary form of protection will pay for the repairs to your car in the event it suffers damages from an act nature (i.e. a tornado) or a crime (i.e. theft or vandalism). Comprehensive coverage is a completely optional form of aid. With both of these forms of coverage, you will be required to select a deductible upon the time of purchase for your policy in Arizona. A deductible is the out of pocket amount of money that you will have to pay in order for your Arizona vehicle insurance benefits to kick in.

Uninsured motorist protection coverage is not required by state law in Arizona, but the purchase of it is highly recommended by the Arizona Department of Insurance. This form of coverage protects you in the event that you are struck by an uninsured or under insured motorist in an accident for which you are not at fault. You are also protected in the event of being struck by a hit and run driver. Uninsured motorist protection coverage will pay your medical expenses and property damage repair costs in the aforementioned scenarios up to the maximums on your policy. You must maintain the required minimums of Arizona car insurance for the state. If you are caught driving without car coverage, the penalties incurred can range from the paying of fines to the revocation of your driver's license. Only you can know the negative consequences you would face from the loss of your license.

Understanding how the required forms of Arizona policies can work for you is essential for you in determining how much coverage you will wish to purchase. The amount of money that you pay for you Arizona car insurance policy is going to be contingent upon many factors. These factors include your personal characters, your coverage needs, and the type of vehicle that you are planning on insuring. Using price comparison techniques will enable you to find an Arizona car insurance policy that gives you adequate coverage at an affordable price.


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