What is Scottsdale Auto Insurance?

In Scottsdale, Arizona auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

Auto insurance provides property, liability and medical coverage:

• Property coverage pays for damage to or theft of your car
• Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
• Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.

Most auto policies are for six months to a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium.

Whats is Comprises a Scottsdale Auto Insurance Policy?

Scottsdale auto insurance policy as mentioned earlier contains six different types of coverage. Every coverage is priced differently and offers insurance options that will offer different choices for the policy holder. The policy holder is able to choose the coverage that is the best for his vehicle.
1. Bodily Injury Liability

Bodily injury liability insurance covers the other driver in the even of an accident. So if you, the policy holder or someone you give permission to use your car are in an accident; this type of coverage the other driver, in case something happens.
Many people agree that you should get more than the state limit as it relates to bodily injury liability. The reason for this is if you’re not fully covered in the even of an accident and someone decides to sue, they can come after other assets you own, such as your home.
E.g.: Say you are driving in Scottsdale, Arizona and you’re in a car accident. If the other driver is injured, then bodily injury liability coverage will take care of the medical costs of the injured driver.
2. Medical Payments or Personal Injury Protection (PIP)

Medical payments or personal injury protection coverage is almost the same as bodily injury liability. The difference between the two is that in this case the drivers and passengers of the policy owner’s car are covered if they are injured in an accident or collision. Apart from medical coverage, PIP can at times cover medical costs, lost wages due to injury and even funeral costs.
E.g.: You and your friends decide to go to a restaurant. On your way to the restaurant, you meet in an accident and passengers of your car are injured. If they require medical treatment and you have PIP then they should be covered under your policy agreement. If you or your passengers are unable to work for the time they recover from their injuries, then they can reimbursed for loss of wages.
3. Property Damage Liability

If you meet in accident and damage another persons car, then property damage liability is the insurance coverage for you. This coverage covers the policy holder or anyone who he gives permission to drive his vehicle. The insurance company, in the event of an accident will pay for the damage of the other person’s car. This will also cover damage done to objects such as lamp posts, fences, buildings, signs and others if you happen to crash into them.
E.g.: Say you are on the way to the movies and you happen to break the stop sign and crash into someone else’s car. The insurance company will pay to fix the individuals car you crashed into.
4. Collision

Scottsdale auto insurance collision coverage will repair or replace the policy owner’s car if he meets in an accident. If he meets in a crash, collision or hits an object then he will be covered, no matter who was wrong. With collision coverage the insurance company requires the policy holder to have a deductable, which is paid in the event of an accident.
The deductible is a set amount, decided on by the policy holder as to the amount he needs to pay in the event of an accident. The higher the deductible is the lower the premium of the insurance policy. If you are at fault, you pay the amount of your deductible and the insurance company pays the rest. If the collision is not your fault, you pay the deductible and you will be reimbursed once the other party’s insurance company pays for the damage.
E.g.: you are driving and someone crashes into you. Then the insurance company will then pay for the damage to your vehicle once you pay for your part of the damage. If you set  your deductible to be $900 and the damage is $2100, then the insurance company will pay the remaining $1200.
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5. Comprehensive

If the policy holder’s vehicle is damaged or lost due to theft, fire, falling objects, flood or hurricane then comprehensive coverage will reimburse the policy holder the value of the car or the damage. This coverage also requires a deductible, the higher your deductible, the lower your Scottsdale motor vehicle premium. Comprehensive coverage is one of the most popular insurance options as it gives you total coverage.
E.g.: Your car is parked and a sand storm comes and damages your vehicle. Under comprehensive coverage the insurance company will reimburse you for the damage to your car, minus the deductible.
6. Uninsured and Underinsured Motorist Coverage

This coverage under Scottsdale auto insurance will reimburse the policy holder for damage done to his car by someone who hits is car who has no insurance. The policy holder, or someone who is given permission to drive the car is also covered. This coverage is helpful for people who hit and run and leave damage on your car. It also covers people who have insufficient insurance. The insurance company will pay for or replace your vehicle depending on the damage done by these drivers.
E.g.: You are on the way to the movies and a car blindsides you. The driver who hits you does not stop, instead he drives off leaving you and your damaged car. The insurance company will pay for the damage done once you have uninsured coverage.