Auto insurance provides financial protection for you and your family from physical injuries and property damage incurred from an automobile accident, as well as, coverage fro repairing or replacing your vehicle.

Arizona being a mandatory insurance state has minimum liability requirements that may not provide adequate financial protection.  A policy holder could end up paying out of pocket, the difference between coverage afforded by the policy and the settlement of a lawsuit.  It is best to consult with an insurance professional when determining this portion of your coverage. 

Bodily Injury Liability / Property Damage  (BI / PD)

(BI)  Coverage that pays for injuries to another person caused by the policy holder or a designated driver.

(PD)  Property damage you may cause to another persons property with your vehicle.

Medical

(MD)  Pays for bodily injuries incured by an automobile regardless of fault, be it as a passenger, bicyclist, or pedestrian. 

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(COLL)  Covers your automobile for damage caused by you hitting something or something hitting you, this also is subject to the deductible*.

*DEDUCTIBLE  Your out of pocket costs before insurance starts paying.  By choosing a higher deductable such as $750 deductible rather than a $250 deductible will generally yield a lower premium.