Car Insurance: Get the Right Coverage

By The Husband and Wife Law Team on October 22, 2017

Why Do We Need Car Insurance?

Let’s start at the beginning. Why do you need car insurance? First, car insurance is required by law in the state of Arizona, and in all other states as well.

Arizona requires drivers to carry coverage that meets or exceeds these levels:

• Minimum of $15,000 per person / $30,000 per accident in liability coverage. Liability coverage pays for damages and injuries you cause in the event of an accident.
• Minimum of $10,000 in property damage liability coverage. This pays out to people who own the property that you damaged in the car accident, assuming you are at fault.
• Minimum of $15,000 per person / $30,000 per accident in uninsured motorist bodily injury coverage. This type of bodily injury coverage pays the medical expenses of people who don’t have insurance.
• Minimum of $15,000 per person / $30,000 per accident underinsured motorist bodily injury coverage. This type of bodily injury coverage pays the medical expenses for people who aren’t adequately insured.

Your insurance policy will cover up to these limits, but you or the driver at fault could be responsible for all bills that exceed this limit.

These minimum requirements will cover the basics in the event of an accident. If an uninsured or underinsured driver is hurt, he or she will also be covered. While it isn’t legal to drive without insurance or without meeting these minimums, there are uninsured and underinsured drivers on the road every day. It’s good to know your policy will cover you if theirs can’t.

Car insurance covers medical expenses, property damages, and car repairs in the event of an accident. These types of bills can put families in devastating financial difficulty if they aren’t properly insured.

Make Sure You Are Properly Insured

It’s up to you to make sure your insurance meets the minimum requirements and is up-to-date, with premiums paid on time.

One important thing you can do is call your insurance company and ask them if your policy meets the minimum requirements listed above. Ask them to confirm your policy is current and to send you additional insurance cards so you can keep extras on hand. Make sure the company has your current vehicle on record as well as all drivers in your household.

If you are injured in a car accident, make sure to contact The Husband and Wife Law Team so we can take a look at your case, determine who is at fault, and see what your insurance policy covers.