Full coverage car insurance is a popular choice for many drivers in Arizona, providing a comprehensive safety net for unexpected incidents on the road. Understanding what full coverage entails can help you make an informed decision when selecting a policy. In Arizona, full coverage typically includes a combination of liability coverage, collision coverage, and comprehensive coverage.
Liability Coverage
Liability coverage is the foundation of any car insurance policy, including full coverage plans in Arizona. This type of insurance helps pay for damages or injuries that you may cause to others in an accident. In Arizona, drivers are required to carry minimum liability limits of:
- $15,000 for bodily injury per person
- $30,000 for total bodily injury per accident
- $10,000 for property damage
However, opting for full coverage typically means you will choose higher liability limits to ensure adequate protection against potential lawsuits and financial loss.
Collision Coverage
Collision coverage is another crucial component of full coverage car insurance. This coverage pays for damages to your vehicle resulting from a collision with another vehicle, object, or when your car rolls over, regardless of who is at fault. In Arizona, collision coverage allows drivers to repair or replace their vehicles after an accident, easing the financial burden of unexpected repair costs.
Comprehensive Coverage
Comprehensive coverage protects your vehicle from non-collision-related incidents. This includes damages caused by theft, vandalism, natural disasters, and animal collisions. In Arizona, where extreme weather can occur, having comprehensive coverage can be particularly beneficial. This type of coverage ensures that you won't face hefty expenses if your vehicle is damaged by factors outside of your control.
Additional Coverage Options
While full coverage includes liability, collision, and comprehensive coverage, drivers can further enhance their policies with additional options. Here are some common add-ons:
- Uninsured/Underinsured Motorist Coverage: This protects you if you're involved in an accident with a driver who lacks adequate insurance.
- Medical Payments Coverage: This provides coverage for medical expenses for you and your passengers, regardless of fault.
- Rental Car Reimbursement: This offers financial compensation for rental car costs while your vehicle is being repaired after a covered incident.
What is Not Covered?
It's also important to be aware of what full coverage car insurance does not cover. Standard exclusions may include:
- Intentional damage or accidents
- Wear and tear or mechanical breakdowns
- Driving under the influence of drugs or alcohol
- Racing or speeding events
Conclusion
In Arizona, full coverage car insurance provides a robust layer of protection for vehicle owners, combining liability, collision, and comprehensive coverage. By understanding what is included and what additional options are available, drivers can tailor their insurance policies to meet their unique needs. Remember, the right coverage not only protects your vehicle but also provides peace of mind as you navigate the roads of Arizona.
