4 Areas Covered by Auto Insurance

You faithfully renew your auto insurance every year in Tuscon, AZ, but do you know what’s covered by your car insurance policy? Auto insurance from Right Choice Insurance and Taxes covers you in many areas, but today we highlight four areas covered by your auto insurance.

Liability protection

Auto insurance protects you when you are at fault for an accident. For instance, auto insurance saves the day if you cause an accident that leads to bodily injury of other road users. Additionally, car insurance shields you from property damage and legal suits emanating from third parties.

Medical payments protection

Following an accident, car insurance pays for the medical costs for you and your passengers. And unlike a health insurance plan, personal injury protection (PIP) coverage pays for partial loss of income if the injuries sustained prevents you from resuming your place of work. 

Asset protection

Whether your car is totaled or damaged due to a covered peril, your insurer takes care of the damages or replacement up to your coverage limit. This way, you don’t have to start from scratch or incur out-of-pocket expenses when the unthinkable happens.

Emergency coverage

While your car brings joy and convenience, sometimes it can break down when least expected. Thankfully, if you have invested in roadside assistance coverage, you don’t have to worry when your car stalls miles away from home.

Depending on your coverage, roadside assistance offers the below services:

  • Battery jumpstarting
  • Towing
  • Puncture repair
  • Towing
  • Minor roadside repairs

While auto insurance is compulsory, there are other reasons why you must invest in car insurance.

Buy Arizona car insurance today!

Are you looking for auto insurance that covers you beyond the basics? Please get in touch with Right Choice Insurance and Taxes based in Tuscon, AZ. We will provide you with affordable car insurance that meets your budget and driving style.

4 Myths About Auto Insurance

Auto insurance is an age-old practice in the US, yet it’s ridden with multiple myths. Like other myths, auto insurance myths are often rooted in truth but become distorted as information moves from one person to another. However, with a competent agent like Right Choice Insurance and Taxes of Tuscon, AZ, we can help demystify common auto insurance myths crowding the industry.

The color of your vehicle affects the auto insurance premium

This myth is widely peddled; you might mistake it for gospel truth. Folks out there will convince you that the color of your car (especially red) affects the auto insurance premium. This statement isn’t true. Auto insurance companies consider the below factors when computing your auto insurance rate.

  • Vehicle model
  • Age, gender, education level, and occupation
  • Claim history
  • Driving record
  • Credit rating

As you can see, color isn’t one of the considerations. Your insurance company doesn’t even know the color of your vehicle.

State-required auto insurance is adequate.

While observing the minimum state-required auto insurance is vital, it doesn’t give optimal coverage. The state minimums don’t protect your vehicle. Instead, they cover bodily injury and property damage caused to third parties. For this reason, you should consider the below auto insurance coverages for maximum protection.

  • Comprehensive coverage to protect your vehicle against non-collision perils.
  • Collision coverage to protect your vehicle against accident-related damages.
  • Medical payments coverage to pay for medical expenses for injuries you or your passengers sustain in an accident.
  • Underinsured/uninsured motorist coverage to protect you against motorists carrying little or no insurance.

Personal auto insurance covers your car if used for business

Commercial auto insurance is designed to protect vehicles used for commercial purposes. If you use your vehicle to run business errands, it won’t be covered by personal auto insurance in an accident.

Traffic violations automatically lead to higher premiums

While traffic tickets like DUI and speeding may increase your auto insurance rate, minor traffic offenses like parking tickets don’t affect your auto insurance rate. 

Do you need more facts on auto insurance? Contact Right Choice Insurance and Taxes for more information. Better yet, you can visit our Tuscon, AZ offices to speak to one of our agents in person.