Arizona Car Insurance Guide

Auto insurance requirements in Arizona are not as high as in other states but it is very important to keep in mind that the minimum levels of coverage as required by the state are often not sufficient to provide you with enough protection should you be involved in an accident while driving. If you are found at fault, the 15/30/10 coverage that many drivers have in order to meet the minimum requirements will not be sufficient to pay for all of the damages or medical expenses that are incurred.

In an auto accident, if you cause even moderate medical injury to someone, the $15,000 coverage can be swallowed up by doctor bills or therapy in a matter of days or even hours - consider that a helicopter ride to a medical center alone will average around $50,000. While the lack of insurance would be less of a problem to someone with no financial assets to lose in a lawsuit, if you are a homeowner or person of any significant means whatsoever, finding yourself on the wrong side of an accident, gives you a pretty decent chance of ending up on the wrong side of a lawsuit as well.

The Benefits of Comprehensive

In addition to keeping an eye on your liability insurance levels for your legal protection, you should also consider keeping comprehensive car insurance coverage which is what will provide protection for you and your passengers and your car if you are in an accident with someone else who is at fault and doesn't have insurance or if you are at fault. Incurring your own significant medical expenses can be almost as bad as getting sued for causing an accident. It is because of the potentially high costs of repairing your own vehicle and taking care of the medical expenses for yourself and anyone you are driving with if you are the cause of an accident or, if you are involved in an accident with someone who has no insurance, that comprehensive coverage is highly recommended.

Arizona is not a no-fault state, meaning that it does not require drivers to carry insurance policies that provide coverage and protection no matter who is at fault in an accident. While this decision does allow for more flexibility in insurance options and save consumers of the state money in annual premiums that they have to pay, it also opens up opportunities for serious financial consequences in an accident that you are not at fault at for a variety of reasons - such as the other driver not carrying any insurance at all.

High Risk Pools

High risk insurance options exist for those individuals who might find it difficult to get a car insurance company to provide standard coverage for various reasons, such as having too many accidents in the past or perhaps for physical or other handicap, or possibly just for being a teenager. While the high risk pools do charge quite a bit more for their insurance coverage options, they may be the only option other than investing in a good pass to use public transportation.