The roads of Arizona are inviting to drivers. Unfortunately, they are also the scene of countless traffic accidents, injuries, and fatalities. This is why even the best drivers need to have proper insurance coverage. Such coverage is available from the Precision Insurance Team in Mesa, AZ.
Arizona law requires drivers to have a certain level of liability insurance. This type of coverage will pay for the damages, whether they be human, or property related, caused by the driver considered responsible for the accident. The minimum coverage levels specify $25,000 for individual bodily injury and $50,000 in cases of multiple injuries. In terms of paying for damage to other vehicles or other property types, the minimum coverage requirement is $15,000. Liability insurance will not cover the injuries or damage suffered by the driver deemed responsible.
Those involved in accidents in Arizona have different options, one of which involves filing a claim with the driver's own insurance provider, which will then take action against the other motorist's provider. They can also file a claim directly with the other provider. A third alternative involves the filing of a personal injury lawsuit in court.
Motorists who are unable to prove that they have minimum coverage face fines and the suspension of their driving privileges. Uninsured motorist coverage can be obtained by drivers who seek extra protection in the event they experience an accident with someone who is not insured. Another type of auto insurance will cover the driver's own injuries and vehicular damages. Comprehensive coverage can provide protection in cases of theft, vandalism, or damage from something other than a traffic accident. Gap insurance can help compensate for the difference between a vehicle's cost at the time of purchase and its current value.
Learn more about the types of policies available by contacting the Precision Insurance Team in Mesa, AZ.