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Types of Auto Policies
If you’re in the process of buying a new car or looking for auto insurance, you need to have an understanding of the different types of auto policies available. The type of policy you choose will ultimately depend on what’s required by your state, but also the type of coverage you need.
In Arizona, drivers are required to have their vehicles covered by a form of “financial responsibility,” also called liability insurance. Minimum amount of coverage includes $25,000 bodily injury liability for a single person and $50,000 for more than two people. You also must have a minimum of $15,000 property damage liability.
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What Are The Six Types Of Auto Policies?
Most basic car policies consist of six types of coverage. The types of coverage offered by auto insurance include the following:
- Bodily Injury Liability
- Medical Payments or Personal Injury Protection
- Property Damage Liability
- Collision
- Comprehensive
- Uninsured and Underinsured Motorist Coverage
What Happens If I Don’t Have Car Insurance?
Having car insurance is very important in keeping proper coverage for you, your passengers, and your car. However, if you don’t have your vehicle insured, you could have your vehicle registration or drivers license suspended. To gain back your registration and license, you will have to pay fees and provide proof of financial responsibility, which can be an expensive process.
Learn More About Car Insurance With Licensed Insurance Agents
If you would like to learn more about your auto insurance options and what you need to do to obtain proper coverage, give Insured For Life a call today.
