What Is Full Coverage Insurance in AZ?
Full coverage insurance is a term commonly used to describe an auto insurance policy that provides comprehensive coverage for both the insured driver and their vehicle. In Arizona, full coverage insurance typically includes liability coverage, collision coverage, and comprehensive coverage. These policies are designed to protect the insured driver financially in the event of an accident, theft, or damage to their vehicle.
Liability coverage is a mandatory requirement in Arizona, and it covers the costs associated with bodily injury and property damage to others in an accident where the insured driver is at fault. This coverage helps to pay for medical bills, property repairs, and legal fees if a lawsuit is filed.
Collision coverage is optional in Arizona, but it is highly recommended. This coverage pays for repairs or replacement of the insured driver’s vehicle if it is damaged in a collision, regardless of who is at fault.
Comprehensive coverage is also optional but often included in full coverage insurance policies. It covers damage to the insured driver’s vehicle caused by non-collision events such as theft, vandalism, fire, or natural disasters.
Additionally, full coverage insurance may include additional benefits such as uninsured/underinsured motorist coverage, medical payments coverage, and roadside assistance. These additional coverages provide further protection and peace of mind for the insured driver.
FAQs about Full Coverage Insurance in AZ:
1. Is full coverage insurance required by law in Arizona?
No, full coverage insurance is not required by law in Arizona. However, liability coverage is mandatory, and it is recommended to have collision and comprehensive coverage for added protection.
2. How much does full coverage insurance cost in Arizona?
The cost of full coverage insurance in Arizona varies depending on several factors such as the driver’s age, driving history, type of vehicle, and coverage limits. It is best to get quotes from multiple insurance companies to compare prices.
3. Does full coverage insurance cover rental cars?
Most full coverage insurance policies in Arizona do provide coverage for rental cars. However, it is important to review the policy details or contact your insurance provider to confirm coverage.
4. Can I add full coverage insurance to my policy at any time?
Yes, you can add full coverage insurance to your policy at any time. However, some insurance companies may require an inspection of the vehicle or additional documentation before adding comprehensive or collision coverage.
5. Does full coverage insurance cover my medical expenses?
Full coverage insurance typically includes medical payments coverage, which helps to pay for medical expenses for the insured driver and their passengers, regardless of who is at fault in an accident.
6. Does full coverage insurance cover repairs for normal wear and tear?
No, full coverage insurance does not cover repairs for normal wear and tear. It only covers damage caused by covered events such as accidents, theft, or natural disasters.
7. Can I lower my full coverage insurance premiums in Arizona?
Yes, there are several ways to lower your full coverage insurance premiums in Arizona. These include maintaining a clean driving record, taking defensive driving courses, bundling insurance policies, and installing safety features in your vehicle.
In conclusion, full coverage insurance in Arizona provides comprehensive protection for both the insured driver and their vehicle. It includes liability coverage, collision coverage, and comprehensive coverage, along with additional benefits such as uninsured/underinsured motorist coverage and roadside assistance. While full coverage insurance is not mandatory, it is highly recommended for drivers who want to ensure financial protection in the event of an accident or other covered events.