Every state has minimum limits of liability a driver must carry to have their car registered and be legal to drive on the roads. In Arizona, those limits are often expressed like this 15/30/10. What do these numbers represent? The first number is $15,000 for bodily injury. This means if you injure or kill someone with your vehicle, if you have state minimum liability limits, your policy would max out at $15,000 for any one person who sustained injury or death. We call this the "per person" limit. The second number is $30,000 total or "per accident" limit. This is sometimes referred to as the aggregate limit. $30,000 is the most your policy would pay for bodily injury or death, no matter how many people were injured or killed. As you can imagine, $15,000 per person and $30,000 per accident total does not go very far. In fact, it probably wouldn't cover even 1 nights hospital stay. The next number is $10,000 for property damage. This is the most your policy will pay for property damage you cause with your vehicle. This could be damage to another car, a house, or any other kind of real property. Again, $10,000 may not go very far if you hit an $80.000 luxury car, or you cause a multi-car accident.
For seemingly just pennies more you can triple or quadruple your coverage. We recommend insurance of at least 100/300/100 and I'm sure you can figure out this would give you $100,000 per person for bodily injury or death, $300,000 per accident for bodily injury or death and $100,000 for property damage.
Call Insurance Professionals of Arizona today at 480-981-6338. We will analyze your insurance coverage and make the necessary changes to help you be protected. Further, because we are independent brokers, we can shop the market for you and find you the best price from multiple carriers so that you know you are getting a great deal. If you would like to do a quote online please click Get A Quote Now.