Off-the-shelf policies may meet Phoenix auto insurance legal requirements, but we wouldn’t be able to sleep at night if that’s all we offered you as an option! The purpose of insurance is to protect you and your assets in the event of any number of unforeseen events that may arise as a result of owning or operating an automobile. At Jorgensen Insurance Agency, we work with you to fit you with an auto insurance policy that is designed for your life and financial picture. Instead of cutting corners on important coverages, we offer savings options such as bundling and discounts.
What kind of coverage is available for auto insurance in Phoenix?
Operating a motor vehicle exposes you to the risk of causing damage to others or their property. Hospital bills and repair bills can add up quickly and when you’re deemed at fault, damage and injuries incurred by others become your financial responsibility. Your auto insurance pays for these types of costs and for legal representation up to the limits you select for your policy.
Protection for your vehicle
Damage to your vehicle can occur in any number of ways. Several different parts of an auto insurance policy provide coverage for damage to your vehicles and our Phoenix auto insurance policies help you cover the bases.
“Property damage” coverage pays for covered repairs when you’re at fault in an accident.
If your car is stolen, vandalized, or damaged as a result of a flood or windstorm, it’s the “comprehensive” portion of your claim that pays.
In the event that your vehicle is damaged by another driver that doesn’t have insurance or enough insurance, it’s your “uninsured and underinsured motorist property damage” coverage that steps in to cover the costs.
Coverage for your medical bills
The “medical payments” portion of your policy specifies a fixed amount of coverage for medical payments for you and each of your passengers when you’re at fault in an accident. When the other driver is at fault, your medical bills become their responsibility. When the other driver is uninsured or underinsured, your own “uninsured or underinsured motorist” pays for you and your passenger’s medical expenses.
Coverage for a rental vehicle
When your car is in the shop for a covered repair, rental reimbursement pays a specified daily amount for a rental car so that you can get back to your routine without major interruption or cost.
Coverage for roadside assistance
A jump start, a flat tire, or a tow – roadside assistance dispatches help and provides coverage for these types of unexpected expenses that leave you stuck or stranded.
There are lots of different factors to consider when putting together an auto insurance policy. We think about all the ins and outs so that you don‘t have to! We’ll ask a few questions about you, the vehicles you’re covering, and the assets you’re protecting, and then present to you with several options that offer the highest value for various options. Contact us at 509-563-4413 or complete the quick quote form to request a quote. We look forward to hearing from you!