Like most other states, Arizona has state-mandated requirements for auto insurance. The basic auto insurance requirement is for liability coverage which protects other drivers from an accident that you might cause. At Canyon State Insurance in Arizona, our insurance experts ensure that all of our customers comply with Arizona law and have the type and amount of insurance they need.
The amount of basic insurance that is required is 25/50/15. That is $25,000 for the first injury in an auto accident, with the total for all injuries of $50,000. $15,000 is for property damage. This is fundamental coverage given what medical expenses can be these days and the cost of vehicles. Basic insurance is not the right amount of coverage for everyone.
If you have an auto loan or are leasing a vehicle, you will not be able to have just basic coverage. The car needs to be protected as well as the other drivers. This means carrying collision and comprehensive coverage.
Collision insurance protects your vehicle from a collision with another vehicle or with a stationary item like a tree or a pole. It covers your vehicle in a one-car accident or an accident where you are the victim of an underinsured or uninsured motorist or a hit and run driver.
Comprehensive insurance is a little more complex. It is many things that are not collision-related that can damage your car. It covers your vehicle for theft and vandalism, which is really valuable coverage. It protects you from various weather-related damage such as high winds, hail, and flooding. It also protects you if a deer runs in the road in front of your vehicle and you can't avoid it.
If you need to review your current auto coverage or are looking for a new carrier, give Canyon State Insurance a call for a no-obligation quote.
