What Does Liability Auto Insurance Cover?

Liability auto insurance is designed to protect other drivers and property owners who may incur damage as the result of a collision or accident that you are held responsible for. Liability insurance provides both financial and medical coverage for bodily injury and property damage to others. The San Marcos Insurance Group of Chandler, AZ takes pride in educating AZ residents when it comes to the benefits of liability insurance. 

Liability Insurance is Required by Law

Arizona residents who wish to legally operate a vehicle within the state of Arizona must meet the state minimum requirements for auto insurance. These requirements include liability insurance that covers bodily injury and property damage insurance as well as uninsured and underinsured insurance. However, each form of coverage has monetary minimums that must be met to legally drive within the state. Arizona drivers must carry a minimum of $25,000 for bodily injury insurance per person. Drivers must also carry $50,000 worth of bodily insurance per accident. Property damage insurance must meet the minimum coverage requirements of $15,000 per accident. Residents must additionally carry uninsured and underinsured motorist insurance in the amounts of $25,000 per person and $50,000 per accident. Underinsured minimums include $25,000 per person and $50,000 per accident. 

The Benefits of Liability Auto Insurance

Liability auto insurance provides coverage for accidents a driver may be found at fault for by covering the financial costs for property damage and injuries.  This coverage takes care of property damage to others as well as provides medical coverage for others who may be injured by an accident where you’re at fault. Our San Marcos Insurance Group team is dedicated to making sure you understand the necessity as well as the benefits of liability insurance. Please give us a call. We’re standing by.

Preparing your home for an emergency

An emergency is a serious situation and requires preparedness. The city of Chandler, AZ takes it so seriously that they have set up a section of their website to make suggestions to the residents. Getting ready for an emergency begins in the home and there are a few simple things that every homeowner can do to make sure they are ready no matter what emergency arises. At San Marcos Insurance Group in Chandler, AZ, we have over 80 years of combined insurance experience that we share with our customers. 

In Chandler, AZ n emergency can come in the form of a heatwave, a wind storm, a flood, a power outage, or a fire. Not to mention any man-made emergencies. You need to make sure your home is prepared for any of these.

Battery backup

No matter which of these emergencies happen, losing power is a possibility. Having flashlights, battery-operated radio, extra batteries, solar lights, a generator, and portable chargers like a Halo can keep you working. You just want to make sure you can keep from sitting in the dark. A generator will make sure your food stays fresh, and you have ac which is pretty much of a necessity in Arizona. You also need to have a good size gas can so that you can run the generator. 

Water

When an emergency strikes, it may not be possible to have running water. You need to have enough bottled water to keep you hydrated for at least a few days. Filling a bathtub with water can make sure you can flush toilets. 

Food

You should have three days of food and in the event, you don’t have a generator, it should be shelf-stable food. Having a gas or charcoal grill to cook food is also very handy. A manual can opener is a necessity. 

Contact San Marcos Insurance Group in Chandler, AZ for all your home insurance needs.