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Queen Creek, AZ 85142

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Will auto liability insurance cover the damage my car sustained from a wreck?

Liability insurance has many benefits for drivers. If you’re found at fault in an auto accident, liability coverage will pay for any damage to the other driver’s car, as well as any injuries they may sustain. Liability coverage also covers damage to other people’s property if you’re at fault. Legal protection is usually a part of liability protection as well. The Insurance Team is committed to helping our Queen Creek, AZ drivers understand auto insurance and the coverage it provides.

What is auto liability insurance?

Liability insurance provides both legal and financial protection. However, this form of insurance doesn’t directly compensate the driver at fault. Instead, this form of protection pays for any damage or injuries you as a driver may cause to other peoples people’s property and vehicles. It also pays for other people’s injuries as well. However, any damage your car may sustain wouldn’t be covered by liability insurance. Also, your injuries and property damage wouldn’t be covered either. Liability coverage strictly compensates and repairs the other driver’s car and property if you’re found at fault for an accident. It can also replace a car if you damage someone else’s car beyond repair. 

Will auto liability insurance cover the damage my car sustained from a wreck?

No.  Liability coverage will only apply to other people’s injuries, property damage, and damaged vehicles, not yours. If your car is damaged and you lack collision or comprehensive auto insurance coverage, your car will not be covered. Liability insurance is required by state law but only covers the repair of other people’s cars and property if you’re found at fault for an accident.

Reach Out To Us

If you have questions about what’s covered by an auto insurance policy, call us at The Insurance Team in Queen Creek, AZ. We’d be happy to answer your questions and help you explore your options. 

Why does someone in Arizona need auto insurance?

Owning a vehicle is quite common for those that reside in the greater Queen Creek, AZ region. When you are looking to purchase any type of car here, it would be a great idea to also get the right insurance for it. There are a lot of reasons why someone in this part of Arizona will need to have an auto insurance policy in place at all times.

Meet Insurance Requirements

A common reason for anyone in this part of Arizona to get an auto insurance plan is so they can meet all of their insurance requirements. Having auto coverage is necessary if you intend to drive a car on a public road. Further, if you have taken out any type of loan, you are obligated to carry insurance until the debt has been repaid. When you have a proper auto insurance policy, it can keep you in good standing with all such requirements. 

Financial Protection

Having an auto insurance plan is also a great option as you can receive helpful financial protection. A standard auto insurance plan today can offer you liability coverage, which is helpful if you are found responsible for an accident. Further, you can receive the coverage necessary to repair or replace the vehicle if you incur a loss. 

Reach Out To Us

If you are looking to buy a car in Queen Creek, AZ, you need to make sure that you are also getting the right insurance. When you are ready to start looking for auto coverage, calling our professionals with The Insurance Team can be a great idea. Our professionals with The Insurance Team know the value of this coverage and can ensure that you have all the questions answered. This guidance will help ensure your vehicle is properly covered at all times. 

Do I Need to Purchase Auto Insurance If I Don’t Own A Car?

If you don’t own a car, you may be wondering if you need to purchase auto insurance. The answer is yes – you still need to be insured, even if you don’t have your own vehicle. There are several reasons why this is the case.

Here are some reasons why:

1. You Rent Cars Often

Most rental companies require that their customers have insurance before they can rent a vehicle. Otherwise, the customer would be responsible for any damages that occur while they are driving the car.

If you don’t have your own auto insurance policy, you can purchase short-term rental car insurance from the rental company, or you can purchase a non-owner liability policy. For either of these options, it’s important to make sure that you are properly covered in case of an accident.

2. You Borrow Car Often

Even if you don’t own a car, there’s a good chance that you borrow other people’s cars from time to time. Maybe you have a friend or family member who lets you use their car when you need it. Or maybe you use a car-sharing service on occasion.

In any case, if you are borrowing someone else’s car, you will need to be insured. Otherwise, the car owner’s insurance would be responsible for any damages that occur while you are driving. The best way to insure yourself in this situation is to purchase a non-owner liability policy from a reputable company like The Insurance Team in Queen Creek, AZ. This type of policy will cover you when you are borrowing someone else’s car.

Give Us A Call

As you can see, even if you don’t own a car, you still need to be insured. There are several reasons why this is the case. If you are ever in doubt, it is always best to err on the side of caution and purchase some form of auto insurance. Contact us today at The Insurance Team in Queen Creek, AZ, for your non-owner auto insurance.

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