Every driver in Arizona is required to have insurance for their vehicle. The insurance policy that they choose must meet a number of required minimums under state law. However, there are other types of coverage that can be added as options. If you need auto insurance, call us today at Precision Insurance Team in Mesa, AZ.
The state requires your policy to have three different minimum coverage amounts that pertain to liability. The first is an amount for one person who becomes injured in an accident. The second is a set minimum amount of coverage for everyone who is injured in an accident. The third is a minimum amount for property damage liability. Though there are specific minimums for all of these coverage types, you can add more coverage to each when you get your policy.
If you were to have an accident with someone who doesn’t have insurance, and the accident is their fault, it can be extremely difficult to get the medical bills paid. That’s why the state makes it mandatory to carry insurance coverage for an accident with an uninsured or underinsured driver. This protects you against someone else breaking the law and not having the proper auto insurance.
There are no other types of insurance that you are required to have by state law, but there are several types that can certainly be helpful. Many people add collision coverage to their policy so that their own property damage can be paid for in the event of an accident. There is also comprehensive coverage, which covers you against a wide range of situations.
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To keep your vehicle insured, give us a call at Precision Insurance Team in Mesa, AZ to find out more about these helpful and mandatory policies.