Auto Insurance in Phoenix, AZ
If you are in a car accident, you could be held responsible for costly property damage or bodily injuries (e.g., medical expense, legal fees). Few drivers can afford to pay for these losses out-of-pocket. That’s why car insurance is legally required in almost every state. In addition to meeting state requirements, your auto insurance policy can provide essential protection for you, your passengers and other drivers on the roadway.
Contact Ayala Insurance Services in Phoenix, Arizona, and nearby cities for more information on the auto insurance coverage we provide and to get a free car insurance quote today.
What Is Auto Insurance?
Your auto insurance policy is an agreement between you and your car insurance company in which they are legally bound to pay for covered incidents up to your policy limits as long as you continue to make your monthly premium payments. It can provide essential financial protection if you are in an accident.
What Does Auto Insurance Cover?
Car insurance can cover you and the members of your policy (e.g., spouse) behind the wheel. These policies generally provide coverage in vehicles you own and those that do not belong to you—as long as you are driving with the owner’s permission.
Here are some of the benefits commonly included in an auto insurance policy:
- Medical coverage can pay for expenses associated with bodily injuries you cause to yourself and your passengers (e.g., lost wages, medical bills).
- Property damage liability can pay to replace or repair property that you have damaged or destroyed while driving.
- Bodily injury liability can pay for costs stemming from injuries or deaths you cause (e.g., medical expenses, funeral costs).
While these policies may be enough to meet your state’s requirements for car insurance, additional insurance options exist to increase your protection when driving. Here are some additional auto insurance coverage options to consider:
- Uninsured/underinsured coverage can pay for damage caused by drivers who do not have sufficient liability coverage.
- Comprehensive insurance may pay to replace or repair damages from non-driving accidents (e.g., falling objects, hail).
- Collision coverage can pay for damages to your vehicle from at-fault accidents (e.g., striking a guard rail).
How Much Auto Insurance Do I Need?
You will need to purchase enough car insurance to meet the minimum level required by your state. But this coverage may not be sufficient to protect you from costly losses if you are in a severe car accident. Ask your auto insurance company if you have sufficient coverage for your insurance needs.
Call Ayala Insurance Services for more information on our auto insurance coverage solutions.
Where Can I Buy Auto Insurance?
We’re here to help you find the right insurance coverage for you. Contact Ayala Insurance Services today to learn more about our coverage solutions and speak to an insurance agent today.