Car Insurance Information
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Collision pays for damages inflicted to your vehicle due to a collision with another vehicle or object. You'll pay your chosen deductible before the insurance company comes in to cover the rest. The deductible helps to prevent petty claims, and to keep rates lower.
Comprehensive covers damage in excess of your deductible caused by events other than a car collision, such as fire, theft, vandalism, hail or flood. It also covers damage caused by your vehicle colliding with an animal. You can choose to purchase Full Glass coverage on top of Comprehensive, meaning the deductible drops to $0 in the event of glass damage.
Medical provides coverage for medical care provided to you as a result of a car accident, regardless of fault.
Towing and Labor coverage is to help pay for your costs to deal with a disabled car. It could help pay for the car to be towed to a service station or for any repair that occurs at the location of the car's breakdown. Note that this coverage is for labor rather than the costs of car parts.
Rental Reimbursement is for your expense of renting a car as a temporary replacement. The car being replaced must be an insured car that's unavailable for use because of it being damaged, lost (stolen) or destroyed in a covered loss.
Do you understand your insurance?
Liability is mandatory auto insurance coverage in most states, and covers bodily injury (BI) and property damage (PD), up to the dollar limits you select, that you become legally obligated to pay to others due to an accident. In Arizona the minimum limits are 15/30/10, meaning $15,000 bodily injury per person, $30,000 per accident and $10,000 property damage per accident, but many people choose to purchase higher limits so as to avoid out-of-pocket expenses in the event of a major accident.
Uninsured and Underinsured Motorist Coverage typically pays for injuries inflicted upon you by an un- or under-insured (or hit-and-run) driver. In Arizona, you can purchase UM/UIM up to your own BI liability limits, and you have the option of rejecting this coverage in writing.
Traveling to Mexico?
Unless you are traveling exclusively within Border and Free Trade Zones, your auto insurance does not cover your trip. Mexican Auto Insurance can be purchased for the exact times and dates you will be crossing the border, there AND back.
Do you need an SR-22?
We do not offer SR-22's separate from an auto policy, so all you need to do is request an auto quote here or over the phone, and make sure to let us know you require the mandatory insurance filing.
Do you have insurance already?
We'd love to provide an exact apples-to-apples comparison with your current auto policy. Simply email us a copy of your current declarations page. Click the "browse" button on our secure contact form to attach it to your message. You can send it to anyone here in the office.
