There are a variety of coverages on your auto insurance policy. Each covers a different kind of loss. Here is a summary:
Liability---covers claims against you for damages to others if an accident is your fault. Does not pay you anything. Make sure you have sufficient limits. It is easy to cause an accident where tens of thousands of dollars of medical bills are incurred by those who are injured. Claims against you could jeopardize your estate.
Comprehensive---covers your car for damage from theft, fire, non-driving damage.
Collision---covers your car for damage in a driving accident, regardless of whose fault. You pay the deductible. If someone else is at fault, your insurance will bill their insurance for reimbursement.
Uninsured Motorist---pays you for your injury claim if you are in an accident with a driver at fault who is uninsured. A high percentage of drivers on the road have no insurance.
Underinsured Motorist---pays you for your injury claim if you are in an accident with a driver who is insured but has insufficient insurance to cover your claim. Arizona law only requires that drivers carry $15,000. of liability insurance, which is hardly enough for many accidents.
Medical Pay---pays medical bills for you and your passengers in an accident, regardless of whose fault. This is cheap to buy and pays important benefits. We recommend you have it even if you have health insurance. Med Pay covers your passengers as well, and will cover your deductible. Also, it can be used at any medical facility anywhere, since it is reimbursement coverage. Many agents don't advise their clients about Medical Pay, since it is often a better deal for the insured than the insurance company agent.
There are other coverages available, such as rental car, towing, and accidental death.
If you have been in an accident, speak to an attorney at Jenkins Law Center at once before speaking with an insurance representative. Protect you rights. James D. Jenkins has personally successfully handled over one thousand auto accident cases.
