Does az have uninsured motorist coverage?

Uninsured motorist insurance provides protection against personal (bodily) injuries caused by a negligent driver in uninsured Northern Arizona, such as broken bones, lacerations, organ damage, head injuries, back or neck pain, and more. While the law requires that all Arizona motorists have liability insurance, not all Arizona motorists have current liability coverage. In addition, motorists can come to Arizona from other states or countries and not have liability coverage on their vehicles. Yes, you need coverage for uninsured drivers, even if you have comprehensive and collision coverage.

Collision insurance will pay for the repair of your vehicle if you are hit by an uninsured driver, but it won't cover any of your medical expenses and comprehensive insurance won't cover your expenses at all after a collision. Comprehensive insurance only pays for repairs if your car is damaged by something other than a collision, such as acts of vandalism or a natural disaster. And you would need coverage for uninsured motorists. Read the full answer on personal injury protection (PIP) or MedPay to cover your medical expenses after a collision with an uninsured driver.

In the state of Arizona, all drivers must have liability coverage. However, this doesn't stop some people from driving with limited or no insurance. In addition, people can enter the state without having adequate insurance coverage. If you're involved in an accident with an uninsured or underinsured driver, UMBI and UMPD coverages can help.

By law, Arizona drivers are required to purchase a minimum amount of liability insurance for bodily injury and property damage. Drivers are also offered bodily injury coverage for uninsured or underinsured motorists. However, they can waive this coverage by talking to the company that provides their insurance policy. If the other driver involved in your accident doesn't have enough insurance or doesn't have it at all, you'll have to file an uninsured or underinsured driver claim with your own insurance company.

After an accident with an uninsured driver, you may face a long and hard battle with insurance companies, even if you have insurance coverage for uninsured or underinsured motorists. Uninsured motorist (UM) coverage protects the policyholder by paying for injuries or damages that result from a car accident caused by a driver who does not have enough insurance. In fact, according to the Insurance Information Institute, 13% of all motorists in the country drive without insurance.

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