Auto Insurance Defined

Covers expenses associated with other people's injuries or death when you are at fault, such as medical expenses, loss of income and pain and suffering.  In Arizona this is a minimum coverage.

Pays for the  damages you, or someone driving your vehicle with your permission, may cause to someone else's property.

If you, your passenger or a pedestrian is hurt or killed this covers medical expenses and/or funeral expenses.  

Covers repair of damage to your vehicle resulting from a collision with another vehicle, object or as a result of flipping over.  This coverage is usually required if you are leasing or have a loan on your vehicle.

Covers damage to your vehicle resulting from fire, theft, falling objects, riots, storms, earthquakes, floods and collision with a bird or animal. This coverage is usually required if you are leasing or have a loan on your vehicle.

Covers you and your passengers injured in an accident with another driver who has no insurance or is underinsured.