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. 

What is basic auto insurance and is it right for me?

Basic auto insurance is what is required by the state to legally drive your vehicle. It differs from state to state but in many cases, it is just liability insurance. Freedom Insurance Agency in Mesa, AZ is an independent insurance agency that offers our customers the most choices and the best carriers and prices. We will make sure you have the required coverage. 

What is basic auto insurance and is it right for me?

In Arizona, basic auto insurance is liability coverage. The amount required is 25/50/15. What that means is $25,000 for medical expenses for the first person hurt in an accident and $50,000 for all the injuries in that accident. $15,000 is for damage to property. While this may seem adequate, it can be very minimal when you consider what a hospital stay can cost these days. The cost of repainting a vehicle can also be much higher than $15,000 with vehicle prices averaging $47,000. You can see the problem. 

If you are leasing your vehicle or have a car loan, this basic amount will not be acceptable. You will need to protect the vehicle and that requires full coverage. Collision covers collisions and comprehensive covers lots of other things including theft, vandalism, flood, and damage from deer, just to name a few. 

After your car loan is paid off, you are not required to have full coverage. However, if you are like most people, you depend on your vehicle to do the normal activities of daily life. Many people live in areas where public transportation is not readily available. A vehicle is a necessity. If you have an accident where you are responsible or are the only driver, how would you pay to have your vehicle repaired? If it is a hardship, it is worth thinking about having collision and comprehensive coverage. 

Get Insurance Coverage For Your Vehicle Today

Contact Freedom Insurance Agency in Mesa, AZ for all your auto insurance needs.