For anyone who drives a car, it is necessary to have auto insurance to cover any medical expenses or damages that may occur as a result of an automobile accident. In fact, you’re required to have auto insurance that meets or exceeds minimum coverage levels in Phoenix, Arizona. However, there are a plethora of other reasons to consider obtaining car insurance.
What Types of Insurance Are Available?
There are many types of auto insurance available to motor vehicle owners, and the type that will best serve your needs will depend on your unique situation.
The most common types of insurance policies to cover your liability in the event you are involved in a car accident include:
• Liability insurance covers the cost of damages to both yourself and to the other driver when you’re at fault in a motor vehicle accident.
• Collision insurance will cover the cost of repairing any damage to the car after an accident occurs.
• Comprehensive insurance covers damages for car accidents and additional situations, such as damage caused by a natural disaster or vandalism.
• Personal Injury Protection coverage will provide funding to pay for medical expenses if you’re involved in an accident where the other driver is at fault. This type of insurance policy also covers any passengers in your car who were injured in the accident.
Additionally, there are policies for uninsured or underinsured drivers. These policies are useful when you’re at fault but the money paid out by your car insurance policy is insufficient to pay for the entirety of the damages caused by the accident.
What Auto Insurance Policy Works Best For You?
Determining what kind of car insurance to buy depends on your personal situation since each type of policy has particular obligations and requirements. What is the best possible auto insurance policy for one person may not prove effective for another individual.
To illustrate this, imagine a single mother named Janet. One busy Monday morning, Janet is driving her son and her neighbor’s kids to school when another driver runs a red light and totals her car. The other driver is uninsured, and has no policy to cover the medical costs incurred by Janet and her three passengers caused by the accident.
In this instance, Janet would have the best outcome if her policy includes Personal Injury Protection. Because the other driver has no insurance, there is no money to pay for the medical expenses of Janet and her passengers. A policy that includes Personal Injury Protection will cover the cost of the necessary medical treatment for her passengers and herself.
Our Car Accident Attorney in Phoenix can help you figure out which policies will best suit your needs so you’re covered if you’re involved in a car accident.