auto insurance

 Car insurance protects you financially in the case of an accident. If you are properly insured, your insurance company covers the cost of medical bills and repairs. Liability coverage is mandatory in most states, including Arizona, and drivers could be required to pay a fine if not insured. 

This coverage option covers medical bills that result from an automobile accident up to the stated limit amount on the policy for you or passengers in your vehicle. 

Uninsured and underinsured motorist coverage protects you in the case that the other driver is at fault and is either uninsured or underinsured. This coverage is an optional coverage in Arizona. DuBois Insurance always advises its customers to add this coverage to their policy. 

Comprehensive insurance covers damages to your vehicle not caused by an accident. This coverage includes but is not limited to theft, vandalism, falling objects, hail damage and windshield replacement/repair. 

Collision insurance covers the cost of repairs, minus the deductible amount, from an accident with another car or object. Collision coverage only covers the vehicles on the policy that have selected this coverage option. 

Bodily injury liability coverage pays the medical costs of the people injured in an accident in which you are the at-fault driver. This coverage also helps protect you in the event that you are sued for damages. 

Property damage liability coverage pays for repairs to another car or any property damaged in an accident at which you are at-fault. 

GAP coverage pays the difference between what you still owe on a vehicle through a loan and the current market value. If you do not have a loan on your vehicle, this coverage is not necessary. 

Rental car reimbursement coverage is an optional coverage that may cover the cost of a rental car if your car is damaged in a covered accident. This is only an option if you carry collision coverage. 

Towing and labor coverage may reimburse you for the expenses of roadside assistance or having your vehicle towed. It is an optional coverage.