Car Insurance

Car Insurance Can Do More Than Save Your Car

If you own a car, you probably already know why it’s important. It can help with auto repairs, car rentals, and many other things if you happen to be in a car accident. But what you may not know is that car insurance with Insurance Concepts and Risk Management can help you in many other ways.

No one wants to be in a car accident, but depending on when you started driving, it is more than likely that you be involved in at least one, most likely more than one, in your lifetime. Now although these car accidents may not be fatal, they will more than likely be troublesome.

The first thing that most people think when they are involved in a car accident is fault. It is very important to both sides of the claim to determine in order to calculate the benefits and payout once the claim has been filed. If you are a client of Insurance Concepts and Risk Management, we will be on your side no matter the outcome of liability and will be quick to assess the damage so that we can get you back on the road.

Our goal is to take an already stressful and worrisome situation and put you in the hands of knowledgeable professionals to assure you that whatever the case may be, we have got you covered. Our team will take you through the steps of filing a claim and making sure we have all the necessary information to get the situation resolved as quickly as possible.

Another reason car insurance is important is because it’s against the law to NOT have it. Arizona requires that every motor vehicle operation on roadways be covered by one form or another, the most basic is liability insurance. If you are caught driving without insurance, you could face fines upwards of $10,000. Furthermore, if you are in an accident without insurance you could be facing more than that if you are found at fault of the accident.

Which one is right for me?

There are three main types of automotive insurance available:

-Liability: This type of insurance is the most basic form of insurance needed to be able to drive a motorized vehicle. This type of insurance is meant to protect you in the case that you are in accident in which you are the one that is determined at fault. It is used to cover the damages sustained by the other party’s vehicle or to their person, including medical bills.

-Collision: This type of insurance can be used to cover damages to your vehicle no matter who is determined to be at fault. With this type of insurance, you can also be covered from damages caused by property hitting your vehicle. Another reason collision insurance is valuable, is that if your vehicle is considered totaled after an accident, meaning the damages would cost more than the car is worth, you would be able to replace your vehicle altogether.

-Comprehensive: This type of insurance would cover all forms of damage but also covers the vehicle in the event that it is stolen or damaged in an event outside of your control.

These are the basic types of insurance but there are other details that can be discussed to make sure we outline the plan that suits your needs and driving style.

Get Started Today

If you’d like to learn more about the valuable types of automotive insurance we offer, contact Insurance Concepts & Risk Management. We work in Scottsdale, Phoenix, Chandler and Cave Creek, AZ and will help you find the right coverage specifically for you. Contact us today.