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Proper Auto Insurance Coverage Before an Accident

Young family who is getting insurance coverage

Getting Proper Auto Insurance Before a Collision

Nobody wants to be injured in a collision, but the reality is that Phoenix and Tucson have too many accidents every single day.  The odds of being involved in an accident are high if you have a regular job from Monday to Friday and you commute to work.  As such, it is important to pay a little more in insurance premiums than to be stuck with a ton of medical bills to pay after an accident.  The Arizona legislature has recognized this problem and may change that problem this year.  Currently (as of February 2017), Arizona has a $15,000 / $30,000 minimum insurance limits.  The Arizona legislature will vote to see if we can increase that limit to $25,000 / $30,000.

The Problem of Low Auto Insurance Limits in Arizona

Our neighbors in New Mexico have the $25,000 per person / $30,000 for 2 people or more limits in place.  Arizona's limits are too low and they have not been changed since 1972.  If we think about inflation and the rising cost of medical care and hospital visits to the emergency room, then the change should take place soon.  However, as always, there are opponents to the change in legislation who think that an increase in the rates of insurance will leave many people uninsured and with more penalties to pay after they are cited with no mandatory insurance.  Nevertheless, the problem of low insurance limits leads some injured victims with hospital bills that cannot be paid and without proper medical care after a collision.  The hospital liens for medical care will frequently exceed the $15,000 limit and those without proper health insurance are left with no compensation and a collections bill.

What Insurance to Buy Before an Accident

The proper insurance to buy before an accident includes:
  • Uninsured motorist coverage
  • Underinsured motorist coverage
  • Collision coverage
  • Rental insurance
  • Medical payments coverage
  • Comprehensive coverage
  • *Personal Injury Protection (this may have a different name in your State)
  • Accidental Death and Dismemberment Insurance
  • Life Insurance (some insurance companies have this type of coverage available in addition to accidental death insurance)
These types of insurance coverage will add to your monthly premiums, but they protect you and your family in this world of accidents and injuries.  I have met injured parties and families who have lost their businesses, their jobs, and even their family dynamics after an accident.  Inform yourself and meet with a competent insurance agent who will give you all of these options at a good rate.  Nobody wants to write a Last Will and Testament and nobody wants to think about an accident or life insurance, but these policies can make the difference between securing your family's future and the downfall of your family's well being.
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