Ever wonder exactly what the different coverage are for on your policy? Here is a helpful description that is easy to understand for AZ auto insurance. If you have questions about AZ auto insurance, just contact me and I will be happy to go over it with you.
REQUIRED STATE COVERAGE
BI Bodily Injury
Coverage includes for injuries or death to other people involved in the accident if you are at fault for the accident. State minimum coverage is $15,000 per person and $30,000 per accident.
PD Property Damage.
Coverage for the repair or replacement on another driver's vehicle or property if you are at fault for the accident. State minimum coverage is $10,000 but we always suggest at least $25,000.
OPTIONAL NON REQUIRED COVERAGE
UM Uninsured Bodily Liability.
Coverage includes for injuries or death of other people involved in the accident if the driver at fault for the accident does not any liability coverage.
UN Underinsured Bodily Liability.
Coverage includes for injuries or death of other people involved in the accident if the driver at fault for the accident does not enough liability coverage.
Medical Payments
Coverage pays for some of your medical costs or funeral expenses if you or anyone in your vehicle is injured in an accident.
Collision
Coverage that pays for the damage to your vehicle if you collide with another vehicle or something else. This also includes Hit and Run incidents. Collision coverage is subject to your collision deductible.
Comprehensive
Coverage pays for damage or loss to your vehicle caused by something other than a collision, such as glass, theft, vandalism, windstorm or hitting an animal. This coverage can come with either FULL GLASS COVERAGE, no deductible, or is subject to your comprehensive coverage.
TOW AND LABOR
Reimburses you for a towing and basic roadside assistance expenses, such as dead batteries. This coverage is limited to the limits you request, either $50 or $100.
Rental Reimbursement
Repays you for the cost of renting a car while yours is in the shop being repaired due to a covered accident, for up to 30 days. This coverage is limited to the daily limits you request.
Sound System Coverage
Protects your investment from theft or damage if you installed a non factory sound system in your vehicle. This includes, radios, amplifiers, TV's, DVD players, etc.
Hope this information is helpful.
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