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AUTO INSURANCE EXPLAINED FOR GLENDALE AND PEORIA, AZ
BODILY INJURY/PROPERTY DAMAGE LIABILITY COVERAGE This coverage pays for bodily injury or property damage that you become legally responsible for as a result of driving your vehicle. Family members living with you who are listed with the insurance company as drivers on your policy and anyone driving your car with your permission will be covered by the liability coverage for injuries or property damage that you or they become legally responsible for while driving your vehicle. Your liability coverage with your Peoria Auto Insurance will NOT pay for injuries to your own family members in the car, which will be covered by medical coverage (described elsewhere). Coverage is required by the state. NOTE: NAMED INSURED PERSON IS PERSONALLY FINANCIALLY RESPONSIBLE FOR ALL DAMAGES THAT EXCEED THE LIMITS ON POLICY CONTRACT.
UNINSURED MOTORIST COVERAGE. This covers your personal injuries in the event an uninsured motorist hits you. It also covers hit-and-run crashes. This portion takes care of YOU. Make sure you have enough coverage to protect you in the event of a life-altering accident.
UNDERINSURED MOTORIST COVERAGE. This covers your personal injuries caused by another party, when the amount of damages exceeds the other party’s liability limits. As part of your Auto Insurance in Phoenix, AZ this coverage will pick up after the other party’s liability limit is exhausted. This portion takes care of YOU. Make sure you have enough coverage to protect you in the event of a life-altering accident.
COLLISION COVERAGE. This portion of the policy pays for the damage to your car caused by a crash, regardless of responsibility. If another party is responsible for the damage to your car, your insurance carrier will pursue the other party on your behalf and collect payment for the repairs from the other party’s insurance carrier or the party directly. The maximum amount of collision protection is usually limited by the depreciated value of your car (which is not the same as the replacement cost). In regard to your GLENDALE AUTO INSURANCE, collision insurance is usually required by a lending institution if the vehicle is financed or leased. A deductible applies.
COMPREHENSIVE COVERAGE. This portion of the policy pays for damage to the vehicle caused by non-crash events such as fire, theft, falling objects, hail, vandalism, acts of God, striking an animal, storms, etc. A deductible applies.
MEDICAL COVERAGE. This coverage pays the initial medical bills for you, members of your family and passengers in your car. If the cost of medical treatment exceeds the medical coverage limit, non-family passengers in your car can obtain compensation from your liability coverage, but you or your family member would not be covered by your own liability coverage. You or family members could look to other medical insurance for additional coverage. It also covers you and those in your household if you are a passenger in a car involved in a crash, or if you are a pedestrian struck by a car.
As always, we recommend you speak with your personal agent, who knows you and has your best interests as a priority.
Serving Anthem, Glendale, Peoria, Phoenix, Surprise