PJS Insurance Services

Peter Schumacher AINS, AIS

Serving Arizona & Ohio

Independent for You

Mesa, AZ 85206

(602) 750-0616

Toledo, OH 43623

(419) 318-9130

PJS Insurance Services-Auto | Home | Life-Mesa AZ & Toledo OH-expert insurance services.
PJS Insurance Services-Auto | Home | Life-Mesa AZ & Toledo OH-expert insurance services.

Auto Insurance Basics in Arizona & Ohio-Your start to saving more

Auto Insurance is for more than just your car in Mesa or Toledo

cheapest auto insurance, Mesa AZ (602) 750-0616-Toledo OH (419) 318-9130, auto insurance near me.
cheapest auto insurance, Mesa AZ (602) 750-0616-Toledo OH (419) 318-9130, auto insurance near me.

Cheap Auto Insurance in Mesa, Arizona & Best Auto Insurance Toledo, Ohio from Top-Tier Auto Insurance Companies

This article is covering the basics of auto insurance. Other articles demonstrate available features that you can customize to meet your needs and budget. If you have additional questions feel free to call or

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The right auto insurance policy can help get you back on the road quickly if your auto is damaged or destroyed by accident, fire, theft, or other covered event. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.

PJS Insurance Services-Mesa AZ (602) 750-0616-Toledo OH (419) 318-9130, auto insurance agencies.
PJS Insurance Services-Mesa AZ (602) 750-0616-Toledo OH (419) 318-9130, auto insurance agencies.

What is the best auto insurance in Mesa, AZ & Toledo, OH right now?

Unlike health insurance, auto insurance policies are actually made of several types of coverage — each with its own costs and benefits. Motorists can often select different coverage amounts for the different components, so it's important to know what types of insurance are best for your own situation.

independent auto insurance agents near me, cheapest auto insurance mesa.
independent auto insurance agents near me, cheapest auto insurance mesa.

How does liability insurance protect my family in Sylvania, Ohio?

Liability insurance helps financially protect the other party when you're at fault in a car accident. It includes two types of coverage: bodily injury (BI) and property damage (PD). BI pays for expenses that result from injuries sustained in an accident, while PD pays for damaged property. In order to drive in most states, motorists must have some form of liability coverage or demonstrate another form of financial responsibility. This is to ensure that drivers who hurt others or damage property can properly compensate the other party.

What is bodily injury liability?

Bodily injury liability coverage (BI) is the most common type of auto insurance because it's required in almost every state. It covers you in the event you cause an accident that injures or kills others. Your car insurance company steps in to pay for the other party's medical expenses, lost wages or funerals. BI even covers any legal fees you incur if the other party decides to sue you in court.

Protection is provided by your insurer up to the BI liability limits in your policy; any bills beyond that will be your responsibility. While Arizona & Ohio requires BI limits of $25,000, they can range from a low of $10,000 per person in Florida to a high of $50,000 per person in Alaska. You can increase your limits, as long as state law allows, but you should consider your budget and whether your assets would be at risk following an accident.

Can you explain what property damage is?

Property damage (PD) insurance covers damage that you may cause to someone else's property. As an example, if you lose control of your car and run into your neighbor's house, property damage insurance would cover the costs of repairs, up to your policy limits. Likewise, if you rear-end someone's car due to no fault of their own, property damage insurance would also cover that incident.

Each state determines the minimum amount of PD insurance each driver is required to carry. But remember, while it may be tempting to only comply with minimum PD coverage, you'll be responsible for any expenses that exceed your coverage limits.

One thing many people get confused about is whether property damage insurance covers your car. In short, it does not. To cover damage to your vehicle, you'll need one of the two physical damage car insurance coverages, which you can read by following this link.

What is the difference between uninsured and underinsured?

Uninsured motorist insurance protects you if you're in an accident with an at-fault driver who doesn't carry liability insurance. Underinsured motorist coverage steps in when you're in an accident with an at-fault driver whose liability limits are too low to cover the medical expenses of any injured people.

Uninsured motorist coverage explained

Most states require drivers to carry auto insurance liability protection, but there are still many motorists on the road without any insurance coverage. The volume of uninsured drivers varies in each state, typically ranging from 5% to 30%. According to the Insurance Information Institute (iii.org) Arizona comes in at around 12% and the State of Ohio at 13%. This coverage is relatively low-cost and can be incredibly helpful in some cases. Some states include UM/UIM as part of the minimum required auto insurance.

Uninsured motorist coverage pays for your own medical expenses and car repair bills if you're hit by an uninsured driver. This may include hit-and-run accidents and cases where the driver stole the vehicle.

Underinsured motorist coverage explained

This covers your medical expenses and car repair bills if you're hit by a driver who doesn't have enough coverage to pay for the damage they've caused. If your claims exceed these limits, you can sue the driver for additional reimbursement — but in some cases, the underinsured driver may not have enough assets to pay. Underinsured motorist coverage will help cover the balance of medical bills or other expenses related to the accident.

Currently, in the State of Arizona, it is estimated that 35% of drivers carry the State minimum of 25/50/15. That is broken down as, the insurer will pay up to $25,000 for bodily injuries per person, up to $50,000 for bodily injuries per accident, and up to $15,000 for property damage.

To conclude, in the State of Ohio, it is estimated that 32% of drivers carry the State minimum of 25/50/25. That is broken down as, the insurer will pay up to $25,000 for bodily injuries per person, up to $50,000 for bodily injuries per accident, and up to $25,000 for property damage.

Serving Mesa, Gilbert, Queen Creek and the state of Arizona. PJS Insurance Services should be your first and last stop when looking for Arizona Auto insurance.

There is a difference. To find out how your Gilbert Independent insurance agency can help you find the Best Auto insurance Mesa AZ, please contact PJS Insurance Services. Give us a call today at (602) 750-0616.

Auto Insurance in Arizona or Ohio-have more questions?

Call PJS Insurance Services at (602) 750-0616 in Mesa, AZ or (419) 318-9130 in Toledo, OH.

Feel free to go to the main Auto Insurance Basics page for more information. There are a lot of different types of coverages for a lot of different types of vehicles. Here to help with the lowest prices from the best companies.

Select your choice below for additional information and coverage options to customize your plan or send me your questions here.

PJS Insurance Services in Mesa AZ and Toledo OH, cheap car insurance OH, best auto insurance AZ.
PJS Insurance Services in Mesa AZ and Toledo OH, cheap car insurance OH, best auto insurance AZ.