Car insurance phoenix
Being one among the largest cities in the country with more than 1.5 million people, phoenix is also a city with high growth rate. This fact obviously results in the increased congestion on the roads of phoenix, and therefore accidents and mishaps. Having proper car insurance for drivers is mandatory by law in phoenix.
The fact that phoenix contains two out of the ten most accident prone intersections in the country. This fact alone points to the inevitability of having a proper car insurance policy for all drivers. Also, as phoenix belongs to Arizona, which is a "tort' state, you hold the responsibility for all loss of life and property and injuries that result due to an accident in which you happen to be on the wrong end. You have a number of plans to choose from while shopping for a car insurance policy and therefore you should have a clear idea about how much or how little insurance do you actually need and afford.
Types of car insurance coverage available in phoenix :
- Bodily injury liability- This covers for the damages and losses caused to other people and their vehicles due to you. This includes medical and hospital expenses, compensations for their bodily damages and income lost due to their inability to work till recovery.
- Property damage liability- insurance cover for the damage and loss to the vehicle and other property of others.
- Personal injury protection (PIP) PIP which provides cover for you and those traveling with you, for services that can be rendered necessary, within one year after the occurrence of the accident.
- Uninsured motorist bodily injury coverage (UMBI) UMBI coverage ensures that your insurance provider compensates for those expenses that would have normally be covered by the other person's provider if you get injured due to an uninsured motorist.
Car insurance requirements in phoenix
As mentioned earlier, it is mandatory to car ry sufficient car insurance with you while driving. Every driver is required to produce the proof of being financially responsible. You may do this either by having a conventional auto car insurance policy or by having an insurance certificate, bond, or a cash deposit certificate worth $40,000.
If you choose to purchase a standard car insurance policy, the minimum amount of insurance that is needed legally in phoenix is as follows.
- Bodily injury liability - $15,000 per individual and $30,000 per accident.
- Property damage liability worth $10,000.
- Uninsured / underinsured Motorist Bodily Injury not made mandatory, though it would be advisable to have one worth at least $15,000 per person and $30,000 per accident to be on the safer side.
For further information on phoenix car insurance related matters, you may contact the following.
- Arizona Department Of Transportation: Motor Vehicles Division
phoenix , AZ 85001
- Arizona Department of insurance
Suite 210
phoenix , AZ 85018-7269
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