Arizona Car Insurance Covers Person or Vehicle

Car insurance is a must-have for every driver in Arizona. Without proper insurance coverage, you're putting yourself at risk for financial ruin in the event of an accident. Every state has its own insurance requirements, and Arizona is no exception. In this article, we'll take a closer look at Arizona car insurance and what it covers.

Liability Coverage

Arizona Car Insurance Liability CoverageSource: bing.com

Liability coverage is the most basic form of car insurance and it's required by law in Arizona. This type of coverage pays for damages and injuries that you cause to others in an accident. In Arizona, the minimum liability coverage you need is $15,000 for bodily injury per person, $30,000 for bodily injury per accident, and $10,000 for property damage per accident.

Collision Coverage

Arizona Car Insurance Collision CoverageSource: bing.com

Collision coverage pays for damages to your own vehicle when you're at fault in an accident. This coverage is optional in Arizona, but it's highly recommended if you have a newer or more expensive car. Collision coverage has a deductible, which is the amount you pay out of pocket before your insurance kicks in.

Comprehensive Coverage

Arizona Car Insurance Comprehensive CoverageSource: bing.com

Comprehensive coverage pays for damages to your vehicle that are caused by something other than a collision, such as theft, vandalism, or natural disasters. This coverage is also optional in Arizona, but it's a good idea to have if you want full protection for your car.

Personal Injury Protection

Arizona Car Insurance Personal Injury ProtectionSource: bing.com

Personal injury protection, or PIP, pays for your medical expenses and lost wages if you're injured in a car accident, regardless of who's at fault. This coverage is optional in Arizona, but it's worth considering if you don't have health insurance or disability insurance.

Uninsured/Underinsured Motorist Coverage

Arizona Car Insurance Uninsured Underinsured Motorist CoverageSource: bing.com

Uninsured/underinsured motorist coverage pays for damages and injuries that you sustain in an accident caused by a driver who doesn't have enough insurance to cover your losses. This coverage is optional in Arizona, but it's recommended if you want to protect yourself against uninsured or underinsured drivers.

Rental Car Coverage

Arizona Car Insurance Rental Car CoverageSource: bing.com

Rental car coverage pays for a rental car if your own car is in the shop for repairs after an accident. This coverage is optional in Arizona, but it's a good idea if you rely on your car for work or other essential activities.

Glass Coverage

Arizona Car Insurance Glass CoverageSource: bing.com

Glass coverage pays for repairs or replacement of your windshield or other windows that are damaged in an accident. This coverage is optional in Arizona, but it's a good idea if you drive on highways or in areas where flying debris is common.

Conclusion

Arizona car insurance covers both the person and the vehicle. Liability coverage is required by law, but other types of coverage are optional. It's important to choose the right coverage for your needs and budget. Consider working with an experienced insurance agent who can help you find the best policy for your situation.

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