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Do You Have Enough Car Insurance Coverage in Tucson, AZ?

By Karnas Law Firm |

Wreck | Karnas Law FirmVehicle owners have numerous car insurance plans to choose from, but Arizona law requires all drivers to carry standard liability coverage insurance at a minimum. Although this may be the requirement, many drivers choose to go with a more inclusive plan that will keep them protected in extraordinary circumstances.

Is Standard Insurance Coverage Enough?

money | karnas law firmLiability insurance covers bodily injuries and property damage after an individual gets into an accident. In other words, an individual can have his or her medical and property damage expenses paid for if he or she sustained an accident-related injury or requires vehicle repairs.

The minimum amount of liability coverage required by the state is as follows:

  • Bodily Injury Liability Coverage: $15,000 per person and $30,000 per accident
  • Property Damage Liability Coverage: $10,000

This minimum coverage is often not enough to cover medical expenses and injuries in a crash. The law requiring this minimal coverage was first enacted more than 40 years ago and is outdated. You need more coverage than the minimum! It is for this reason and others why many Arizona drivers choose to sign up for additional coverage.

What Additional Coverage is Available for Car Insurance Policies?

calculate | karnas law firmThere are various types of extra coverage available for car insurance policies. They include the following:

  • Medical Payments Coverage: Also known as “med pay,” this policy is additional coverage. Generally, it includes the cost of medical procedures that are not typically covered by a standard auto insurance policy, or even by a health insurance policy.
  • Uninsured Motorist Coverage: Uninsured motorist coverage is precisely what it sounds like; it is extra coverage that protects a driver in the event they get into an accident with someone who doesn’t have auto insurance. This type of policy can also protect a driver if the other person commits a hit and run.
  • Underinsured Motorist Coverage: A policy that is available to protect drivers if they are involved in an accident with a driver who doesn’t have enough coverage to pay for their damages. While this type of auto insurance coverage is not mandatory, it’s wise to have it because it can help in covering damages that would otherwise not be paid for by the insurance company.

It’s essential to assess your driving situation according to your location and figure out what kind of policy you need the most. Accidents are unpredictable, and you never know what kind of damage might happen, but if you’re ever involved in one, it’s vital that you have seasoned legal representation.

The Tucson car accident attorneys at Karnas Law Firm have over 25 years of experience representing car accident victims and can help you recover compensation for all accident-related damages. Contact us today at (520) 441-3053 for a free case evaluation.