How much do you know about Arizona auto insurance on a scale of 0 to 10? Whether it’s as low as 2 or 3, at The Owens Agency LLC in Waldron, AR, we don’t judge. We understand that everyone starts somewhere. And when it comes to matters of auto insurance, we are happy to be the place you begin learning the ins and outs of insurance.

Here are the top four things you need to learn about Arizona auto insurance.

Arizona is a “fault” state

What does this even mean? We will explain. If you are involved in an accident, whose fault is another person, you can claim damages from your company (especially if the at-fault driver isn’t insured), claim from the other driver’s insurance, or sue to get compensation for damages and injuries suffered. 

You are required to maintain minimum liability coverage

You probably know that auto insurance is mandatory in Arizona, but do you understand the minimum requirements? You must include a bodily injury liability of $15,000 per person and $30,000 for collisions involving multiple persons. Besides, you need to purchase property damage liability of at least $10,000 to cover damage you cause to other people’s property. 

If you don’t meet these requirements, you could face numerous non-compliance fines and penalties. 

Personal Injury Protection (PIP) isn’t a requirement

Unlike some states, PIP coverage isn’t mandatory in Arizona. But do you know what this means? If you are involved in a hit-and-run incident or collide with a driver without insurance, you will have to pay out-of-pocket medical bills for injuries sustained in the accident.

It doesn’t cover the belongings in your car

Depending on your policy, your auto insurance covers you and your car, but not personal belongings lost or damaged while inside your vehicle. For that, you may need separate coverage like renter’s insurance.

Are you ready to get started with auto insurance in Waldron, AR, and its environs? Please get in touch with The Owens Agency LLC for an affordable quote.