Auto Insurance

When it comes to auto insurance in Arizona, understanding the coverages is crucial.

Let’s break down the key components

Bodily Injury Liability (BI): Minimum Requirement: Arizona mandates a minimum of $25,000 per person and $50,000 per accident coverage for bodily injuries caused to others.

Purpose: If you’re at fault in an accident and someone else is injured, BI coverage helps pay for their medical expenses and related costs.

Property Damage Liability (PD): Minimum Requirement: Arizona requires a minimum of $15,000 in property damage liability coverage.

Purpose: If your actions result in damage to someone else’s property (like their car or a fence), PD coverage helps cover repair or replacement costs.

Uninsured Motorist Bodily Injury (UMBI): Minimum Requirement: The same as BI—$25,000 per person and $50,000 per accident.

Purpose: If you’re hit by an uninsured or underinsured driver, UMBI covers your medical expenses and other damages.

Underinsured Motorist Bodily Injury (UIMBI): Minimum Requirement: Also mirrors BI—$25,000 per person and $50,000 per accident.

Purpose: If the at-fault driver’s insurance isn’t sufficient to cover your injuries, UIMBI fills the gap.

Optional Coverages

Collision: Pays for damage to your own vehicle in an accident.

Comprehensive: Covers non-collision incidents (theft, vandalism, natural disasters).

Medical Payments (MedPay): Helps with medical expenses for you and your passengers.

Rental Car Reimbursement: Covers rental car costs while your vehicle is being repaired.

Towing and Labor: Assists with towing and roadside assistance.

Remember that these are minimum requirements, and you can choose higher coverage limits for better protection. It’s essential to tailor your policy to your specific needs. Our agents can help you find the right balance between coverage and affordability!