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Car insurance policies provide coverage in line with the contract and the coverage’s that you purchase. I am most concerned when I get the call into the office and someone asks for a quote for “FULL COVERAGE’” or a quote for “JUST THE STATE MINIMUM”. In most cases, the person has no idea what they have just requested! Let’s have a look at each coverage, and consider that when you are purchasing the product you can pick and choose the type and amount of coverage’s that produce sense.
UNINSURED and UNDERINSURED MOTORIST: This portion of your auto policy contract protects people in your car, including you, that may be hurt or injured by another automobile that has no insurance or not enough insurance. Remember that in the State of Arizona, it is the at-fault party that is responsible for paying for your injuries.
LIABILITY: If you cause the accident, you are responsible to pay for damages and injuries. This coverage is like the mote around your castle!! The liability insurance pays out first…. When the limits are all used up, the rest of the money owed comes out of your pocket! This could mean your future earnings are garnished.
MED PAY: This gives medical coverage for all people in your car, regardless of who is at fault in an accident. When you have health insurance, you may not need this coverage. If you don’t have health insurance, or you have a very high deductible, you might want to add this to your policy.
It will cost a great deal of money over all of your life in purchasing Automobile insurance. Take the time to work with a professional to tailor a policy that meets your needs and expectations.
Should you need more information visit tucson-autoinsurance.org
and tucson-carinsurance.com
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