We offer optional coverage that can pay for some or all of your car rental charges. Simply check your policy or contact your claims representative to see how your coverages apply. Even if you don't have coverage for rental car charges, your claims representative can help you find a rental vehicle and offer you a discount. A car insurance deductible is what you pay “out of pocket” on a claim before your insurance covers the rest.
Collision, all-risk, protection coverages for uninsured and personal injury drivers typically have an auto insurance deductible. You can generally choose between a low deductible and a high deductible. A low deductible means a higher insurance rate, while a high deductible means a lower insurance rate. Comprehensive coverage can cover damage to your vehicle caused by the impact of a dog or other animal.
You would pay your car insurance deductible after you file a claim and your insurer would cover the rest of the repair costs. Your insurance company can also contact the dog's owner and request that your owner's insurance company compensate you for the cost of repairing your vehicle. This occurs in cases where the pet owner is declared negligent for not having their dog under control at the time of the accident. Having a driving incident, such as a speeding ticket, at-fault accident, or drunk driving conviction, will likely increase your car insurance rates in Arizona.
These incidents can make insurance companies view you as a high-risk driver, meaning you're more likely to cause accidents and file claims in the future. Insurers usually add a surcharge to your premium for a few years, as long as the incident is officially recorded in your motor vehicle registry. For example, drivers convicted of drunk driving in Arizona pay, on average, 95 percent more for full coverage than someone with a clean driving record. Car insurance is a rare product that you buy in the hope of never using it, but if you're involved in an accident or your vehicle is damaged, you may need to file a claim.
These include where you live in Arizona, the types and levels of coverage you choose, the car insurance company you choose, your age, gender, credit-based insurance score, driving history, vehicle type, and more. You file a collision claim against your own insurance policy because you need a new car as soon as possible. The Bankrate editorial team, which includes three licensed insurance agents, analyzed rate data from Quadrant Information Services to determine how much car insurance costs in Arizona for various driver profiles. In certain situations, your insurance company has the legal right to “subrogate,” meaning that it can ask the at-fault third party for reimbursement for an insurance loss.
It helps manage the creation of insurance content that meets the highest quality standards in terms of accuracy and clarity to help Bankrate readers search for complex information on home, auto and life insurance. Filing a car insurance claim can be a difficult process, and you're not the only one who has questions about how things work. Keep in mind that while police officers sometimes determine fault, it can be a difficult and time-consuming task to prove to the insurance company that your insured driver caused the accident. Through subrogation, your insurance company can now try to recover the payment you made to the insurer that originally denied fault.
While the payment was meant to compensate you for the costs of repairing the car, your insurer doesn't require you to repair your vehicle...