Personal Insurance Information
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Reports indicate that upwards of one out of every four Arizona residents are uninsured. With over 6.5 million residents, this indicates that many automobile owners, homeowners, and the general population are living life without personal insurance. Amongst the most valuable forms of risk management, any risk that can be measured can potentially be insured. Phillips Law Group believes in the prospective power of personal insurance and the importance it holds to Arizona residents of all kinds.
Regardless of the specific type of general personal insurance, the unpredictable factors in life are too enormous for an individual to neglect to acquire the security that comes with some form of personal protection.
Phillips Law Group has provided a breakdown below of the most common types of general personal insurance:
In the event of a motor vehicle accident, automobile insurance protects the policyholder against monetary damage due to a collision involving their vehicle. Generally, coverage includes but is not limited to: liability coverage, medical coverage, and property coverage. In this regard, drivers are protected in the case of legal responsibility for property damage or bodily injury, medical bills and lost wages, and damages to the vehicle itself.
Also referred to as catastrophic risk insurance, this type of personal insurance protects Arizona residents in the event of a significant disaster. In this case, individuals receive compensation for damages endured during these calamities. Some of the most common forms are earthquake insurance, natural disaster insurance, and tsunami insurance.
Covering the cost of medical treatment, health insurance is sometimes referred to as health care coverage, health coverage, and/or health benefits. This type of personal insurance is viewed by many as an essential form of protection. In 2010, 49.9 million people in the U.S. were uninsured. Statistically, those who are uninsured have a lower household income and are noncitizens.
Owning a home is an incredible accomplishment. However, homeowners insurance is important for Arizona residents looking to protect their house and the contents within it. Typically, homeowners insurance coverage is for the structure of the home, the contents inside, and any injury suffered by those people on the property itself.
Life insurance is most commonly either universal life insurance or whole life insurance. These policies give a financial benefit to a deceased’s family or other chosen beneficiary. Universal life insurance protects others in the case of death of the policyholder. Typically, universal life integrates flexibility in coverage. Whole life insurance guarantees a policy value for the life of the individual if the premiums are continually paid.
Long-Term Care Insurance
Not limited by a predetermined period, long-term care insurance provides protection for the cost of coverage for things not covered by Medicare, Medicaid, or health insurance. Typical long-term care services include but are not limited to: nursing facilities, assisted living homes, hospice care, and adult daycare, in the community or at-home care.
Due to the immense amount of risk associated with daily life, maintaining an adequate level of personal protection is important for both the policyholder and their loved ones. Personal insurance is amongst the most valuable ways to safeguard yourself, your family, and your property.
By transferring personal risk to insurance companies, policyholders are able to achieve a level of comfort in knowing that they are protected and secure in the event of an emergency or unexpected event. Financial stability is reliant on sufficient personal insurance.
Phillips Law Group prides itself on a knowledgeable, experienced staff. Covering regions from Phoenix to Tucson, we are Arizona’s law firm.
For more information about individual insurance inquiries, complete a Free Case Review form today.
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Although my accident was fortunately not a major one, The Phillips Law Group AZ treated it as such. Their staff, specifically Mr Juan Roque was very professional, courteous and most importantly very informative. Mr Roque's attentive service was phenomenal and I highly recommend this firm!
I’ve been working at Phillips Law Group for nearly four years and I can confidently say this is the best personal injury firm in Arizona to work for. The firm is the best for numerous reasons but to start, Phillips Law Group gives employees opportunities for promotions and growth. I started working within the settlement department, moved to a paralegal assistant and grew to be a pre-litigation paralegal with my own case load. Each attorney I have worked for is extremely knowledgeable, friendly, and easy to talk to. Secondly, I love how Phillips Law shows appreciation for employees. They host Friday Zoom Huddles giving out PTO, goodie bags, special shout outs, bonuses and gift cards. They also host extravagant holiday parties and fun contests during the Holidays! Lastly, the firm cares about giving back to the community, which is a trait I value as well. It’s rewarding to see a fast paced firm taking time out of their busy day to pay it forward. I would highly recommend working at Phillips Law Group!
I would like to thank Vanessa Rodriguez for helping me with my case because I was in total shock about the accident. She had listened to all my concerns and had answered every question I had . She was great !!!
They knew exactly how to explain the case to me in a way that I would understand it. They gave me hope that my life wasn’t over.
Phillips law group is the best around!
I tried a few previous law firms and none would take my car accident case with confidence they could get my anything. Phillips law group took my case and although it took around 4 years to get this case settled as I was in treatment, they never let up with insurance adjusters and they got me as much money as possible. They worked hard for me and advocated for me. Shoutout to key individuals who worked my case nonstop of the years, Robert Ross & Jasmine, you are AMAZING!
Thank you Phillips Law Group for all the support and back to school assistance we appreciate it.
Juan Roque has been integral with my legal needs. Communication has been easy. He conveys information I can easily understand without a lot of "Legal Fluff" jargon. I will certainly do business with Phillips Legal team again and refer them to my friends and family.
My review is for Kathy Hudson a legal assistant at the law firm. She is great! She is very professional and a fair based person. She was never rude to me and always called me back. She listened to me and had my best interest as number 1. Mr Nasir who is a supervisor at law firm also was very professional and helpful. Not sure if spelling his name correctly but sorry if not. As far as mr Ross and the lady that runs the front desk reception I would say they are the most unprofessional and rude people I have met at a law firm in my life especially beings they were representing me. But Kathy made it overall a better experience. Thx Kathy.
Definitely recommend! Awesome