Auto Insurance in Phoenix, AZ
Auto insurance can provide financial protection if you’re in a car accident or your vehicle is damaged while not in use. Without it, you could be left with costly bills (e.g., legal fees, medical bills, property damage), even if you weren’t responsible for the incident.
Contact AboveAll Insurance in Phoenix, Arizona, to learn more about our auto insurance coverage.
How Does Auto Insurance Work?
Auto insurance is an agreement between you and your insurance company. As long as you continue to make your premium payments, your policy will pay for covered losses up to its limits and in accordance with your coverage agreement. Also known as car insurance, auto insurance is required in nearly every state.
What Auto Insurance Is Required?
State requirements for auto insurance vary, but most drivers need some form of liability coverage. Here are two types of auto liability coverage that you may be required to purchase:
- Bodily injury liability may cover expenses (e.g., medical bills, legal fees, funeral expenses) associated with injuries or deaths from auto accidents you are responsible for.
- Property damage liability can pay to repair or replace a third party’s property if you cause damage while driving.
What Auto Insurance Should I Have?
Liability insurance may satisfy minimum requirements in some states, but this coverage alone may be insufficient if you’re in a car accident. Here are some additional coverages to consider:
- Collision coverage
- Comprehensive coverage
- Uninsured/underinsured motorist coverage
- Medical payment coverage (MedPay).
Contact AboveAll Insurance to learn more about our auto insurance options.
How Do Auto Insurance Deductibles Work?
Your deductible is the amount of money you will have to pay out of pocket before your insurance coverage will provide financial assistance. Generally, your insurance company will allow you to set your deductible when you purchase your car insurance policy. A higher deductible means you will be responsible for more out-of-pocket expenses if you’re in an accident, but your premiums will typically be lower.
How Do Auto Insurance Claims Work?
If you’re in a car accident or your vehicle is otherwise damaged, you can file an insurance claim to access your car insurance benefits. Once your insurance company has received your claim, they will typically begin an investigation into the incident. They may look at the cause of the accident, vehicle damage and any other information you submitted (e.g., photo evidence). Your insurance company will then approve or deny your claim. If your claim is approved, you will typically receive a check for damages. If your claim is denied, it means your auto insurer will not pay anything. When this happens, you may be able to file an appeal.
Getting Auto Insurance
Let us help. Contact AboveAll Insurance for an auto insurance quote and to speak to an agent today.