Auto Insurance Requirements For Mesa
If you are shopping around for car insurance in the Mesa area it can be helpful to know how much car insurance is required so that you have a price floor from which to make your insurance buying decisions. The only type of insurance required by law in Arizona unless you finance or lease your car for which collision and comprehensive insurance is usually required is 15/30/10 worth of liability insurance. Please note that liability coverage oes not protect you but those around you. Furthremore it only applies if you are found to be at at fault in an accident. What do these three numbers stand for? In other words you must have at least 15000 in bodily injury liaiblity for one person in an accident 30000 in bodily injury liability for all people in an accident and 10000 in property damage liability. Bodily injury liability covers medical expenses income lost and/or pain and suffering. Property damage liability covers the damage done to other cars and things such as telephone polls fences or bus shelters.
Although 15/30/10 is the minimum amount of car insurance you should have is it okay to get just this amount of minimum coverage? As mentioned before if you finance or lease your car you must also have collision and comprehensive insurance. Uninsured/underinsured motorist coverage and medical payments coverage are also good options to consider. Furthermore unless you think that you’ll have enough car on hand to pay for a serious accident it is recommended that around 100/300/50 in liability coverage according to insure.com.
About the writer: Nick a car insurance enthusiast has a more detailed look in Mesa Car Insurance Guide.
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