So we have lots of new young drivers in arizona every year and if you are one of them this article is for you. If you are in your mid 30s and you are moving out of your mamas house and for some reason till now you decided to take up driving, this article is still for you.
Congratulations, now you have your own car, but what’s next? Should I put those new shiny wheels or get that new blasting car stereo that connects to your phone via bluetooth?,
Yea if you are smiling and thinking “I do need a new stereo” keep reading, because if you don’t get insurance first those new shiny wheels or that new stereo is going to the tow yard. Yes, if you drive in the state of Arizona without insurance and the police pulls you over, your car is going to the tow yard. Believe me, it doesn’t work to tell the officer you’re sorry or that you didn’t know. I’m not even going to mention the fees they are going stick you with and what you’ll need to pay to get it out. plus you’ll need to prove that you have liability insurance, you might be asking,” What is that,? Why does the state make such a big deal about it? How do I get that?”. Well to get it, you have to step in a Oasis Insurance office, There are 17 locations Including Tucson Arizona to get covered.
Here is a quick explanation of what liability insurance is or better yet what it is not:
It will not cover your own vehicle damage at all. It will not cover theft of your vehicle. It will not cover yours and your friends medical expenses in case you had an accident… so what is this liability insurance then?
In case you are driving and you have an at fault accident this liability insurance will pay the damage caused to the other poor driver when you were trying to show off with your friends. It will only pay the damage to the other driver’s car and the bodily injury caused to the other driver and their passengers. You have two parts in your liability insurance:
First Bodily Injury: The minimum limit in the state of Arizona is 15,000 per person and 30,000 per occurrence. This means if there were 4 people in that car you hit the insurance will only pay up to 30,000 for the medical. This amount will have to be divided between all the passengers with a max limit of 15,000 per one person. It will not pay all 30,000 on one passenger.
Second part is the Property Damage: 10,000 This part is easy, The max limit the insurance will pay fir all property damage is10,000.
And that is Liability insurance. It only pays the other driver, not yourself. Other sections of your insurance policy can cover your medical expenses and damage to your car, but its a different section, If you want to know more about getting coverage for your medical expenses or damage to your own car, call Oasis insurance at 480 649 8001 and speak to an Agent today, We will be able to explain more on the different coverages you can get. Or visit us online and get a quick quote :with one click you will get up to 40 quotes: http://www.oasisinsurance.com