Protect Yourself Fully with the Right Auto Insurance Coverage

The law in Arizona requires every automobile on the road to have auto insurance. Regardless, many drivers do not give their policy much thought, opting to carry the minimum coverage that the law allows. That is why it is essential for you to have sufficient coverage to protect yourself from drivers who may be under or uninsured.

The Risks Cannot be Ignored

You may be a conscientious and safe driver, but there are many drivers that are not. They are distracted, impaired, or not paying attention. An accident can happen to anyone, no matter how careful they are. The good news is that due to increased safety measures, traffic accidents in Arizona have decreased measurably in recent years. According to the Arizona Memory Project, there were 103,176 motor vehicle crashes in 2012, down from 120,557 crashes in 2008. This is a good trend, but there are still 282.7 crashes reported in Arizona every day (data provided by car accident attorney in Mesa AZ).

The Problem with Inadequate Auto Insurance Policies

Auto insurance can cover much more than just your car and other cars that may be involved in an accident. A high-quality policy also covers personal assets and property. Many seem to think that being involved in an accident is a chance to get rich. They will file frivolous lawsuits and outrageous insurance claims for personal injuries and property damages.

This can result in a judgment costing hundreds of thousands of dollars more than the coverage of the basic policy, leaving the guilty party to pay for the remainder. If this happens to you, the courts can force the sale of your home and other assets, as well as garnish your wages until the amount is paid in full.

Why You Need a Good Insurance Policy

You may have an antique or another high-value car, as well as your personal property inside the car. If you are involved in an accident with someone, and it is entirely their fault, their insurance company must pay up to the maximum amount of the policy.

The minimum auto insurance coverage required by the state of Arizona is $15,000 per person, $30,000 per accident for bodily injury, and $10,000 per accident for property damage. Since many people only carry the minimum required coverage, if your damages exceed this amount you will need to file a lawsuit to receive compensation. This will take considerable time and effort on your part, and you may still never receive any money.

You Can be Fully Protected

With the help of a reputable insurance agent and a premier insurance provider, you can be assured of coverage that is adequate to protect yourself, your family, and your assets in the event of an accident. High-quality auto insurance gives you peace of mind so you can own and drive a great car without having to worry.

To protect yourself against a potentially catastrophic financial loss in the event of an auto accident, you need to talk to the reputable and respected insurance agent, David Hansen. David has been serving the insurance needs of Phoenix, Glendale, Scottsdale, Tempe, Gilbert, Chandler, Goodyear, and Mesa, Arizona. David works with each client to help determine the right policy and coverage for meeting their needs.

Knowing what coverages are right for you is critical. Sitting down with your insurance agent and going through the appropriate coverages for your specific situation is key.