Driving around Arizona means braving dust storms that occasionally lead to poor visibility or facing flash floods that are common during the wet seasons. Whether you intend to drive during such conditions or prefer to wait out these disasters, other everyday risks could still jeopardize your commute within Prescott, AZ. Manzanita Insurance understands this, offering the following guide as a reference tool for anyone looking for auto insurance options to keep safe throughout the year.
Liability coverage is the state’s mandatory insurance policy. As a legal requirement, you will be required to carry both property damage liability and bodily injury liability. While the former covers repair and replacement costs for damages to other motorists’ property, the latter covers costs of treatment when other motorists get injured during an accident.
Personal injury protection takes care of your treatment costs when you get injured following an accident. If your injuries result in loss of income, personal injury protection also provides compensation for lost work hours.
Comprehensive insurance provides protection when your vehicle gets non-collision property damage. Examples of such incidences can arise from car theft, vandalism, and weather accidents such as hail or windstorms.
As the name suggests, collision coverage provides protection when your vehicle gets damaged from collision accidents. This can include impact accidents with other cars or when you crash into buildings and property.
Underinsured motorist coverage provides you with compensation when you get into an accident with a driver whose insurance fails to cover your entire cost of property damage. This can either be vehicle repair costs or replacement costs arising from significant damage.
When you get into an accident with an uninsured motorist, uninsured motorist coverage will help pay for your costs of property damage.
If you need an insurance upgrade or need insurance tailored to any of the above purposes, consider giving Manzanita Insurance a call today. Our Prescott, AZ agents will help you get ideal auto insurance for your Arizona commute.
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