Does Uninsured/Underinsured Cover My Vehicle in Arizona?
Today’s video & blog is a sequel to the last video we did on uninsured and underinsured motorist coverage. I wanted to do a follow-up to this because I get the question all the time, “Does uninsured and underinsured motorist cover my vehicle, my bad boy Ford Fusion!? Are vehicles covered under that coverage?” The answer in Arizona is NO. Uninsured and underinsured motorist coverage is for medical injuries only.
So then there’s the question, “Well, what if somebody hits me and they don’t have any insurance or they don’t have enough insurance, and there’s damage to my vehicle? What happens then? Who pays for that?”
One of two things can happen-
The first thing is, if you carry physical damage coverage on your auto insurance policy, on your own auto insurance policy, you can turn that claim in to your own insurance company, and you may have coverage there. In most cases, unfortunately, you’re going to have to pay your deductible. But also in most cases, it’s going to show up as a not-at-fault accident on your driving record. So the only negative there is you have to pay your deductible.
If you do not carry physical damage coverage on your own insurance policy and the person that hits you doesn’t have any insurance, unfortunately, you’re just kind of out of luck. You’re on your own to take care of those damages to your vehicle.
So my advice to you is, if you have a vehicle that you can’t afford to repair or replace yourself, you need to make sure that you are carrying physical damage coverage on your own auto insurance policy to protect yourself financially.