There are four main types of coverage for car insurance in Glendale, AZ: collision coverage, comprehensive coverage, liability coverage, and uninsured/underinsured motorist coverage. Based on where you reside, some of these are mandatory while others are optional.
Collision Coverage
This coverage is often only required for people who are leasing or financing a vehicle. It is designed to help you replace or repair any damage to your car caused by you being involved in an accident with another vehicle. It also helps if you hit an object.
Comprehensive Coverage
This type of automobile coverage is designed to cover damage caused by specific events, including vandalism, theft, hail, fire, and more. If your car is ever damaged to a covered cause, the policy will help you pay for repairs, but you must first meet your deductible. This is often only required when you are leasing or financing a vehicle.
Liability Coverage
Almost every state requires its drivers to purchase liability coverage, and each state has its own minimum amount of coverage required. Liability coverage is composed of bodily injury liability and property damage liability. Bodily injury policies help pay for injuries caused by accidents, whereas property damage covers a person’s property that might be damaged.
Uninsured/Underinsured Motorist Coverage
This type of car coverage is nice because it comes into play if you are ever in an accident with somebody who has no car insurance in Glendale AZ. It also helps if you are involved in an accident with somebody who doesn’t have enough coverage to cover the cost of all your medical bills.
