Uninsured Motorist Coverage is not required in Arizona. However, it is highly recommended to protect yourself in case you get into an accident with an uninsured driver. This type of coverage can help cover medical expenses and property damage that the at-fault driver’s insurance would normally cover.
What is Uninsured Motorist Coverage?
Uninsured Motorist Coverage (UM) is a type of insurance that protects you if you are involved in an accident with a driver who does not have insurance. This coverage can help pay for medical expenses, lost wages, and other damages that result from the accident.
Why should I consider Uninsured Motorist Coverage?
Even though Uninsured Motorist Coverage is not required in Arizona, it is important to consider purchasing this coverage. The Insurance Research Council estimates that about one in eight drivers in the United States is uninsured. If you are in an accident with an uninsured driver, you could be left to cover the costs of your medical bills and repairs to your vehicle.
What does Uninsured Motorist Coverage typically cover?
- Medical expenses for you and your passengers
- Lost wages due to injuries
- Pain and suffering damages
- Property damage to your vehicle
Does Uninsured Motorist Coverage also apply to hit-and-run accidents?
Yes, Uninsured Motorist Coverage can also apply if you are involved in a hit-and-run accident where the other driver cannot be identified or is uninsured. This coverage can help cover your medical expenses and damages to your vehicle.
Can I stack my Uninsured Motorist Coverage?
In Arizona, you may be able to stack your Uninsured Motorist Coverage if you have multiple vehicles on the same policy. This can increase the amount of coverage available to you in the event of an accident with an uninsured driver.
Is Uninsured Motorist Coverage expensive?
The cost of Uninsured Motorist Coverage can vary depending on your insurance provider and the limits of coverage you choose. However, it is generally affordable and can provide valuable protection in the event of an accident with an uninsured driver.
Do I have other options if I choose not to purchase Uninsured Motorist Coverage?
If you choose not to purchase Uninsured Motorist Coverage, you may have other options for recovering damages if you are in an accident with an uninsured driver. These options may include filing a lawsuit against the at-fault driver or seeking compensation through your health insurance policy.
In conclusion, while Uninsured Motorist Coverage is not required in Arizona, it is a wise investment to protect yourself in the event of an accident with an uninsured driver. Consider speaking to your insurance provider about adding this coverage to your policy to ensure you are adequately protected on the road.