If the other driver caused the accident isn't part of Arizona's minimum auto insurance requirements, your policy must cover your medical and repair expenses up to the limits of liability. Driving without a license is illegal in Arizona, but that doesn't mean you shouldn't take out car insurance. In addition to increasing your liability limits, you could also consider adding these coverages to create a more comprehensive insurance policy. A policy that meets Arizona's minimum car insurance requirements may not be enough for rental companies.
Keep in mind that insurers often ask for a deductible amount, which you must pay on your own after each claim before coverage takes effect. This can cover the other driver's car, property that was damaged in the accident, such as buildings and fences, and more. An exclusive liability policy can protect you from the other driver's expenses, but it doesn't cover your medical needs or for damage to your car. You can choose several optional coverages to add to your standard policy, such as insurance for medical payments or personal injury protection and insurance for uninsured drivers.
However, since 11.8% of drivers in Arizona are still uninsured, it may be a good idea to add this to your policy. Insurance for uninsured motorists is worth considering, as 11.8% of drivers in Arizona are uninsured. In Florida, Massachusetts, New Jersey, New York and Rhode Island, insurance providers avoid fraudulent claims by ensuring that they have an accurate record of the state of the car before the policy takes effect. While liability insurance covers what you would owe another driver, you may still have to pay significant costs for your own medical care and car repairs.
We recommend that you examine your “risk appetite” when deciding whether or not to take out higher amounts of insurance coverage. We want to point out that SR-22 insurance certificates will undoubtedly cost you more money on your monthly insurance bill. If you can't show proof of insurance at a traffic stop or in an accident, you'll face several penalties. Based on the number of uninsured drivers in Arizona, the state is in the middle of the group compared to other states.
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