Liability Coverage is insurance for when you are liable, when you cause bodily injury or
property damage to others & the accident is your fault.
When the accident is caused by another party, their liability coverage compensates you for your losses.
The minimum automobile coverage limit required by law in Arizona is 15/30/10.
$15,000 bodily-injury liability for one person/ $30,000 liability for two or more people/ $10,000 property-damage liability.
(UM) Uninsured Motorist Coverage covers your medical expenses, lost wages, and other injury related expenses when the other driver is at fault & is not insured.
(UIM) Underinsured Motorist Coverage covers you when the other driver is at fault, but, their liability coverage is less than your injury expenses.
If you are seriously hurt in an accident caused by an at fault driver, hospitalization and ambulance services alone may easily exceed the required AZ state minimum coverage of $15,000.00.
With the state minimum requirements so low, can you afford the financial risk of not having UM/UIM coverage?
Considering that you have liability coverage for injuries you cause to others, your UM and UIM coverage limits should be the same as your liability coverage limits. Don’t you deserve the same coverage for your own injuries in the event that you’re injured by someone without adequate coverage?