The state minimum auto insurance limits in AZ are 15/30/10. That is $15,000 in coverage per person for injuries you cause to others / $30,000 in total coverage for injuries you cause to others per accident / $10,000 in property coverage for damage you cause to others car or property.
First lets talk about the $15,000 / $30,000 coverage. If you are at fault in an accident and injure the other party, the max your insurance will pay out for those injuries to other is $15,000 per person or $30,000 for all injured persons in that accident. These injuries are both short term and long term and can include ambulance costs (min $1000), visit to an emergency room, immediate treatment, therapy, rehabilitation, physiotherapy, lost wages and other treatments. You are personally responsible for any costs above these amounts. Did you know that the difference between $15,000/$30,000 and $25,000/$50,000 averages only 10% of your liability costs for 40% more coverage?
The average claim in 2013 for bodily injury in a car accident was $15,443
The average property claim in 2013 was $3231
REMEMBER, THESE ARE AVERAGE 2013 NUMBERS, NOT 2017 NUMBERS
Now, lets talk about property damage. State minimum in AZ is $10,000 per accident. With all the new advancements in automobile technology, like sensors in the bumpers, xenon headlights, and crash avoidance technology in vehicles, $10,000 might not even cover a bumper and fender on one car, let alone a multiple car accident. Yes, you are then personally responsible for any amount over the $10,000. Did you know that the difference between $10,000 in coverage and $25,000 in coverage is less that $3.00 every 6 months?
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