| Insurance Matters Auto Insurance Made Easy |
| Uninsured/Underinsured Motorist Uninsured/Underinsured Motorist coverage pays for damages that you are legally entitled to recover for your bodily injury. In general, this coverage provides what you would have received from the other person's insurance company if that person had insurance. This coverage may also protect you if the person who caused the damage does not have enough insurance. |
| Medical Coverage Medical payments coverage applies no matter who is at fault and covers the cost of reasonable and necessary medical care provided to you as a result of a car accident. |
Liability (Required by the law)
Covers bodily injury and property damage (BI/PD). This covers your legal liability, up
to the dollar limits you select, for damages caused to others in a covered vehicle
accident. In most states today, liability insurance is mandatory.
Under BI/PD, your insurance company pays for damages to an injured person and for
property damage that you are legally obligated to pay as a result of an accident. If
your policy covers you in the event you’re sued after an accident, your insurance
company will pay for a lawyer to defend you.
Liability limits generally appear as three numbers, for example, 15/30/10 or
100/300/100. The first number refers to the maximum amount, in thousands, that your
insurance company is obligated to pay for bodily injury per person. The second
number is the maxi-mum that would be paid out for bodily injury per claim and the
third number represents the maximum amount your insurance company is obligated
to pay for property damage you cause.
Covers bodily injury and property damage (BI/PD). This covers your legal liability, up
to the dollar limits you select, for damages caused to others in a covered vehicle
accident. In most states today, liability insurance is mandatory.
Under BI/PD, your insurance company pays for damages to an injured person and for
property damage that you are legally obligated to pay as a result of an accident. If
your policy covers you in the event you’re sued after an accident, your insurance
company will pay for a lawyer to defend you.
Liability limits generally appear as three numbers, for example, 15/30/10 or
100/300/100. The first number refers to the maximum amount, in thousands, that your
insurance company is obligated to pay for bodily injury per person. The second
number is the maxi-mum that would be paid out for bodily injury per claim and the
third number represents the maximum amount your insurance company is obligated
to pay for property damage you cause.
| Required by financing companies usually described as "Full Coverage" Collision coverage pays for damages if your vehicle overturns or if it collides with another vehicle or object. Collision coverage is subject to a deductible amount that you choose. The most frequently selected deductible amount is $500. Select a deductible amount that you are comfortable with ---if there is a Collision claim on your policy, this will be the amount you'll generally be required to pay. Comprehensive coverage pays for damage caused by an event other than a car collision, such as fire, theft, vandalism, hail or food. Comprehensive also covers damage from hitting and animal and covers the cost of a rental if your car is stolen. Comprehensive coverage is also subject to a deductible amount ---usually the same amount you choose for Collision coverage. |
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are not attached to any of the coverage selections, they are separate and change your premium when selected. |
| AZ Unified Insurance Agency LLC |
