| Most of us don't wake up in the morning and think that | | | | So, if you are seriously injured in an automobile |
| we might be involved in an accident that day - that is | | | | accident and incur medical expenses over $15,000 |
| what makes it an "accident" - it was unplanned and | | | | alone, there is no money available to compensate you |
| unpredicted. | | | | for your lost wages, pain and suffering and you will |
| In Arizona, drivers must have automobile insurance in | | | | also have to come up with out-of-pocket monies for |
| order to lawfully drive a motor vehicle. Many people do | | | | the additional medical expenses you have incurred |
| not know that the minimal amount of insurance a | | | | over the $15,000. |
| person must carry is $15,000/$30,000. What this | | | | You can protect yourself against such a scenario by |
| means is that if a driver with minimum limits strikes a | | | | carrying "under-insured motorist coverage" which will |
| vehicle causing an injury to a single person, the total | | | | compensate you for damages in situations where the |
| amount of insurance available to that injured person is | | | | negligent driver's limits are not enough. |
| "$15,000!" What is even worse is that if there is more | | | | We suggest that you review your automobile |
| than one person injured in that same scenario, all the | | | | insurance coverage to make sure that you have |
| injured people making claims against the negligent | | | | adequate protection. You may also want to speak |
| driver are limited to a total amount of $30,000. | | | | with your insurance agent regarding "med-pay |
| Those amounts include reimbursement for all medical | | | | coverage," which would help pay for your medical |
| expenses, lost wages, and pain and suffering. | | | | expenses if you are involved in an automobile accident. |