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Get DirectionsThe State of Arizona requires that people drivers have auto insurance. These laws are in place to help people who suffer a loss. While many people take out a policy to just satisfy the minimum standards, that coverage may not fully protect you. At the Insurance Center of Green Valley, our professionals are committed working with people of the Green Valley, AZ community to create a policy that provides secure coverage.
Minimum Coverage Can Fall Short
In Arizona, drivers must carry a liability policy with limits of $15,000 per person, $30,000 per accident and $10,000 for property damage. If you stop and think about today’s medical care costs, it’s quite obvious those numbers are insufficient. An injury that requires minor surgery alone would likely exceed the $15,000 minimum. A major head injury, for example, could result in complex surgery and months of rehabilitation. That could easily run into six figures of medical debt.
Consider the price of a new automobile. There isn’t a new car on the market today under the state’s minimum property damage. This year, the average price tag for a new vehicle exceeds $30,000. Once your minimum coverage has been exhausted, an injured party could file a civil lawsuit against you to recover the remainder of their losses.
Protect Yourself
The other problem with minimum coverage is that you may not be financially protected if injured. There are numerous scenarios in which you could suffer an irrecoverable loss. While everyone is supposed to carry insurance, some people shirk their responsibilities. If you are injured by an uninsured or underinsured motorist, you may not get fully compensated. If an accident is your fault, liability insurance may only protect the other party.
It’s important not to put yourself in a vulnerable position with by having only minimum coverage. At the Insurance Center of Green Valley, we’re happy to explore options that can provide you with adequate and secure insurance coverage. We are here to serve members of the Green Valley, AZ community and look forward to working with you.