Posted: Thursday, May 18, 2017 11:07 AM
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If you buy automobile insurance coverage to meet the state's financial responsibility law, you must purchase at least the minimum amount. The current minimum liability limits are $15,000 for each injured person, up to a total of $30,000 per accident, and $10,000 for property damage per accident. This basic Arizona Auto Insurance coverage is called 15/30/10 coverage. Young drivers are forced to comply with AZ financial responsibility laws. In most cases parents can add their minor children to their automobile coverage to satisfy the Arizona financial responsibility requirements. Although adding a young driver to an adult's policy may be expensive, it's almost always cheaper than buying a separate automobile policy for the child. Some insurance providers offer a discounted rate for teenagers who have completed an Arizona Department of Public Safety (ADPS)-approved driver education course. Insurance companies use information such as where you live, the brand/model of vehicle you drive, how you use your automobile and the policy limits you select to determine the rates they will charge you. Depending on the types of coverage you purchase, automobile insurance pays for vehicle replacement or repair, towing, court costs, medical expenses, rental cars, and other expenses. Insurance providers recommend that drivers in your state carry more than the state-required minimum liability coverage. Choosing a policy that only includes state requirements may help drivers get the best premiums. However, the state of Arizona uses the tort system to determine who will pay for expenses that result because of an auto accident. The driver found to be at fault for the accident is responsible for paying all the costs incurred. The Arizona state minimum required liability auto insurance coverage does provide some protection for drivers, but those who cause an auto accident will have to pay out of pocket for damage that goes over their policy's coverage amounts.
For more information on Phoenix please go to the Official Website for Phoenix AZ.
85008 85009 85032 85033 85041
For more information on AZ car insurance, visit the Arizona Department of Insurance.
Go here for interesting Phoenix facts.
• Location: Arizona, Phoenix
• Post ID: 29662127 phoenix