Arizona Auto Insurance FAQ
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- Arizona Auto Insurance FAQ
What auto insurance coverage am I required to have and what are the minimum limits I can purchase in order to satisfy Arizonas financial responsibility requirements?
In Arizona, drivers are required to have Bodily Injury and Property Damage coverage. The minimum required limits are $15,000 per driver on the policy and $30,000 per accident for Bodily Injury and $10,000 per accident for Property Damage.
What is covered under Bodily Injury coverage?
Bodily Injury coverage pays for injuries to others caused by the accident. If you were at-fault in the crash, you become legally responsible for injuries incurred by other parties involved. Bodily Injury coverage does not pay for any bodily injury you may sustain. In order for your own injuries to be covered, you must have Medical Payments coverage included in under your auto policy.
Does Property Damage coverage provide coverage to fix my vehicle in the event that the at-fault driver does not have insurance?
No, Property Damage coverage will only protect you for damage caused to the vehicles or property of others when you are at-fault in a collision. In order to have your own repairs fixed, you need to have Collision coverage on your auto policy.
What is covered under Comprehensive coverage?
Under Comprehensive coverage, theft of all or part of the vehicle, glass breakage and damage due to weather events, falling objects, vandalism, explosion or hitting an animal may all be covered.
What is covered under Collision coverage?
Collision coverage will pay for damages if your vehicle collides with an object, including another car, or if it rolls over. Your insurer will pay to repair these damages even if you are found to be at-fault in the crash.
What is the difference between Uninsured and Underinsured Motorist coverage?
Uninsured Motorist coverage will protect you and any passengers in your car for bodily injury you or the passengers sustain in an accident involving a driver who does not have liability coverage. This type of coverage also applies if youve been injured in a hit-and-run accident.
Underinsured Motorist coverage will protect you or passengers in your car for bodily injury in an accident caused by a driver who does not have enough insurance to cover the cost of the injuries of you or your passengers.
If I borrow a car from a friend or relative while my vehicle is undergoing repair, will my policy cover me while I am driving the borrowed car?
The policy covering the vehicle would be primary and in most cases, your policy would cover the vehicle on an excess basis. If no policy covers the borrowed car, most companies will treat your policy as the primary coverage for the borrowed car.
If you or a loved one has been injured or sustained property damage in a Phoenix auto accident, it is crucial that you consult with an attorney as soon as possible. The sooner you begin the legal process, the higher the probability that you will recover fair compensation for your losses.
The insurance company will often attempt to get injury victims to settle for fair less compensation than they need to fully compensate them for losses incurred from the crash, including medical bills, lost wages, pain and suffering, and other damages related to the wreck.
At Phillips Law Group, we are dedicated to fighting for the rights of all those who have been injured in an Arizona auto accident.
For more information on the legal rights which may be available to Phoenix auto accident victims and their families or to schedule a confidential, free case evaluation with a member of our team of legal professionals, please complete the Free Case Review form on this page.
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Sophia H is a pleasure to work with! Thanks for all you do.
Phillips is the best!! Love all that they do to give back to the community and how much they help those who are experiencing homelessness. ❤️
My Attorney Sean Davis and his paralegal Hannah Dustin worked on my case. They listened to the problems that I was having with my case and they both got right to work. First they found me a doctor that actually listened to my problems from my car accident and worked quickly to form a plan that was comfortable for me and the doctor. The doctor was the best and after a couple of procedures the pain in my neck was gone. Behind the scenes Sean and Hannah were working hard to get my case settled with the insurance company. They kept in contact with me on all aspects of my case. They settled my case much faster than I expected and for more than I was expecting. If you want two real professional legal people to work on your case, I would highly recommend Sean and Hannah to you. I cannot say enough nice things about these two. Thank you so much, Rickey Hart .
Working at Phillips Law Group has been a blessing from the beginning for me and I am extremely thankful to work for a firm that values their employees so much. Here I believe we are a huge family of hard working people that can bring a sense of comfort to our client’s lives in times of hardships, stress and chaos. From intake to Settlement we strive to provide the best customer care to all of our wonderful clients. With a 4.8 rating and over 1100+ star reviews on Google no surprise our firm is extremely well known for the quality of work we do!! #teamPLG!!
Sophia H is very helpful.
Phillips law group has an amazing staff and i recommend them to everyone.
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 !!!
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!
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.
Phillips Law Group provides a collaborative environment in which both attorneys and staff work together to achieve the best outcome for clients. As an attorney here at PLG, I’m lucky to be surrounded by seasoned attorneys and knowledgeable staff that share my enthusiasm for helping accident victims. The team here at PLG treats clients with respect and empathy while fighting hard to get the results they deserve.