Monthly Archives: March 2025

When I’m Injured in an Auto Accident, Who Pays My Medical Expenses?

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In Arizona, when you have been injured in a car accident, the responsibility for your medical bills falls on the at-fault party in the accident. The police will investigate the accident, take photographs, interview witnesses or anyone involved, and prepare a report on what happened and who caused the wreck. From there, insurance companies use the information in the report to determine how to proceed with an insurance claim. At the Insurance Center of Green Valley in Green Valley, AZ, we are dedicated to helping you through the process and submitting the documents needed to resolve your situation as quickly as possible.

If you’re injured, you can file a claim against the at-fault party to ask for compensation for your medical bills and lost wages (if you had to miss work due to injuries). Then, their liability coverage will compensate you for your injuries. You may receive reduced compensation if you share the blame for the accident (partially at fault).

If the at-fault party doesn’t have auto insurance, your uninsured and underinsured motorist coverage will help you pay for your medical expenses after the accident. Med pay is an optional coverage you can add to your auto policy to cover you and your passengers when you’re injured in an auto accident. It is limited to hospital bills. However, whether you’re driving or a pedestrian, it will also kick in.

Steps to Take After an Auto Accident

After an auto accident, seek immediate medical attention. Get checked out by a medical professional for any injuries, even if they are minor.

Additionally, after an accident, you should report the accident to insurance, including the other driver’s information. Then, gather as much information as possible to have as evidence. You can take pictures of the scene, damage to the vehicles involved, and pictures of your injuries.

We’re Here to Assist

At the Insurance Center of Green Valley in Green Valley, AZ, we are here to answer any questions you may have about auto insurance. Whether you are new to insurance or have had an auto policy for years, we are dedicated to providing you with the necessary protection when traveling on the roadways. Call us today at (520) 648-1150.

Do I Need a Separate Policy For My Second Vacation Home?

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If you’re fortunate enough to own a second vacation home, you might wonder if you need a separate policy or if you can add it to your existing homeowner’s insurance policy. This is one of the most frequently asked questions at the Insurance Center of Green Valley, serving Green Valley, AZ. We’re here to clarify this important issue so an unpleasant result doesn’t catch you off guard if you ever need to make a claim on your vacation home.

The Necessity of a Separate Policy

Did you know? Home insurance policies are tailored to specific properties based on risk factors such as location, occupancy, and maintenance. Vacation homes often face higher risks due to:

  • Extended Vacancies – Homes left unoccupied for long periods are more vulnerable to theft, vandalism, and unnoticed damage.
  • Location-Based Risks – Waterfront properties may face higher flood risks, while mountain cabins may have increased wildfire exposure.
  • Different Usage Patterns – If a second home is rented out to guests, it may require landlord or short-term rental insurance instead of standard homeowners coverage.

Coverage Options for a Vacation Home

Don’t be daunted by the prospect of a second policy. A separate policy for a second home typically includes:

  • Dwelling and Property Protection – Covers the structure and belongings inside.
  • Liability Coverage – Protects against injuries or property damage occurring on the property.
  • Additional Coverage for Specific Risks – Depending on location, flood, hurricane, or wildfire insurance may be necessary.

Consult with your insurance representative at the Insurance Center of Green Valley, serving Green Valley, AZ, for assistance. A second home requires its own insurance policy, as primary homeowners insurance does not fully cover vacation properties. Since risks vary based on location and usage, working with an insurance provider can help determine the right coverage to protect against potential losses.