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How Much Car Insurance Should You Carry in Arizona?

“But I thought I had Full-Coverage”…

Just a friendly reminder to check your auto insurance policy. When you signed up for insurance, you may have thought you purchased “Full Coverage” but you and your family may not be fully covered

“Full Coverage” usually only means you have 1.) liability coverage (this pays someone else’s medical bills, lost wages, and pain and suffering when you cause an accident), 2.) comprehensive coverage and 3.) collision coverage (these two pay for the repair or replacement of your damaged vehicle). 

If you or a family member are injured in a crash, “Full Coverage” might not be enough to compensate you. None of these coverages will pay your medical bills. You would need Medical Payment (MedPay) coverage for that. Also, if you are injured in a crash and the at-fault driver does not have auto insurance, your “Full Coverage” would do nothing to pay you for medical expenses, lost wages, or pain and suffering. That’d be Uninsured Motorist (UM) coverage. Finally, even if the at-fault driver has insurance, it may not be enough to cover all of your damages. In that case, you would benefit from Underinsured Motorist (UIM) coverage. 

MedPay, UM and UIM are additional coverages that are not usually included when you purchase “Full Coverage” auto insurance, but they can be the most helpful when you or your family are injured in a crash. 

Check your policy… Are you fully covered?

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