Uninsured and Underinsured Motorist Coverage – Why Do You Need Them?

If you live in the Mesa, AZ area, and you are looking for an experienced auto insurance agency, we invite you to come and talk to us at Freedom Insurance Agency. We’re a neighborhood agency, and we’ve been working with Arizona drivers since 1999 to provide the best online automobile insurance available at the best possible price. We’d love the opportunity to discuss auto policy options with you. 

Uninsured and Underinsured Motorist Coverage

One aspect of auto insurance that Arizona drivers sometimes ask about is the uninsured and underinsured motorist coverage. Arizona’s law requires every driver carry coverage for these types of drivers. To clarify: an uninsured driver is a driver with no auto insurance or whose insurance doesn’t currently include liability insurance. An underinsured driver has liability insurance, but the amount of their liability coverage isn’t enough to cover the injuries of you or your passengers. 

Although all Arizona drivers are required to carry liability insurance, not all drivers have liability insurance. You may be involved in a collision with a driver from another state or without current liability insurance. A recent estimate showed almost 13% of Arizona drivers are currently driving without insurance. If your car is hit by one of those cars, and the accident was the other driver’s fault, you need uninsured or underinsured coverage for your medical bills to be covered.

Schedule A Consultation Today!

At Freedom Insurance Agency, we’d love to have the opportunity to use our years of experience with auto insurance clients to help you understand the insurance laws. Buy your auto insurance from an agent here in Mesa, AZ. We can give you advice about these and other insurance questions.