Special Cases for Arizona Auto Insurance Holders

Arizona auto insurance policy holders mostly know their coverage when driving their own car in Arizona. What happens in other cases? The best bet is to read through your existing policy, and to ask your insurance company about these before buying your next one. Meanwhile, here are some of the biggest questions concerning other situations.

If I get into an accident where the driver who is at fault does not have insurance, will my insurance company pay for the damages in my vehicle?

• The Arizona auto insurance standard policy does not include coverage for repairs to your damaged vehicle, unless you purchased additional collision coverage.
   

When other family members drive my car, are they covered by my car insurance?

• A typical policy will cover any relative who has been permitted to drive your car. However, consult your insurance company to be certain about this.
   

What if I help my friend move, and I attach a trailer to my vehicle?

• Liability coverage should extend to the trailer too, but physical damages should still be covered under the collision coverage policy which you have to pay extra for.
   

What if I drive my car in other states? Will I still get the same coverage?

• In most cases, the coverage will be considered based on the standards of the state you are in if they have higher minimum requirements. This is one of the most important clauses for Arizona auto insurance policy holders, especially for those who like to drive when travelling. Check with your agent to be sure of your insurance coverage in other states.
   

What if I am on holiday and I am driving a rental vehicle?

• The insurance company of the vehicle being driven should be the first to pay for claims in case of accidents – this rule is true in the US and Canada. Your own policy will the kick in in case the first fees are not enough to cover all expenses involved. For rules in rental liabilities in other countries, check with your insurance company, as well as insurance laws in the website of the country you are travelling to.
   

After an accident, will my insurance company still apply if I drive another vehicle owned by a relative or friend?

• Typically, the Arizona auto insurance policy covering the vehicle you are driving is primarily responsible in case of any accidents while you are driving that vehicle. In case the coverage is not enough, your own policy can then help pay any excess fees.