As car accident attorneys, we receive many calls related to insurance coverage. That’s why we know it’s important for people to understand what type of automobile coverage they’ve purchased. Many people think that when they purchase insurance coverage they are getting “full coverage.”
The truth of the matter is, all insurance coverage is what we like to call “a la carte.” This means that when you purchase insurance coverage for your automobile, everything comes separately. Thus, if you want medical pay coverage, you need to ask for it and make sure you see it on your declaration page.
Some auto insurance coverage is required by state law. As of 2020, that includes:
Bodily injury liability: At least $25,000 for one person/$50,000 for two or more people
Property damage liability: At least $15,000
This insurance is required as soon as you drive the vehicle off the lot!
Many of our clients who are involved in car accidents tell us they have full coverage, but when we examine their insurance declaration page, we find out that they do not. People are always surprised to find out that they’re less covered than they thought. Not only are the policy limits less, but also, many times, people don’t have the type of coverage that they need at all! If you would like for The Husband and Wife Life Team to review your automobile insurance declaration page, please contact us.
You can also review your automobile insurance with your agent. Agents should be able to tell you everything about your policy and explain to you everything that you need to know. When purchasing automobile coverage in Arizona, make sure you ask about liability coverage, uninsured motorist coverage, underinsured motorist coverage, medical payments coverage, rental coverage, glass coverage, collision coverage, and comprehensive coverage. Don’t risk driving without the insurance coverage that you need!