Arizona injury law, in 30 seconds

Hey, it's Henry. Let's chat uninsured motorist coverage for Arizona.

Here's what that means. Uninsured motorist coverage is an election you choose to have on your own insurance policy, and it protects you if the driver who hits you has no insurance at all.

You'd be surprised how many drivers in Arizona have none.

So protect yourself, and get it.

If you're going through an injury accident right now and you need help, call me. I'll walk you through it.

Hey, it's Henry. Let's chat underinsured motorist coverage for Arizona.

Here's what that means. Say the driver who hits you carries the state minimum—which in Arizona is just twenty-five thousand dollars per person, up to fifty thousand dollars per accident. If your damages are more than that, your own underinsured motorist coverage may help, up to the limits you chose.

It's an election on your own policy, just like uninsured coverage, and it's one of the smartest things you can carry.

So check your policy, and get it.

If you're going through an injury accident right now and you need help, call me. I'll walk you through it.

Hey, it's Henry. Let's chat minimum car insurance for Arizona.

Here's what that means. Arizona only requires drivers to carry twenty-five thousand dollars for injuring one person, and fifty thousand dollars total per accident. Serious medical bills can add up fast.

If the driver who hits you carries the minimum, your own underinsured motorist coverage may help if you purchased it. Check your limits, and consider more than the minimum.

If you're going through an injury accident right now and you need help, call me. I'll walk you through it.

Hey, it's Henry. Let's chat medical payments coverage for Arizona.

Here's what that means. Med pay is a small add-on to your own auto policy that pays your medical bills after a crash right away.

That matters because the other driver's insurance usually won't pay your medical bills as you go while an injury claim is pending. MedPay can help pay covered medical expenses—like an ER visit, follow-ups, or physical therapy—under your own policy, regardless of fault and subject to your limits.

Ask your carrier what MedPay costs and what limits are available.

If you're going through an injury accident right now and you need help, call me. I'll walk you through it.

Hey, it's Henry. Let's chat what full coverage really means in Arizona.

Here's what that means. When people tell me they have full coverage, they usually mean collision and comprehensive. That covers your car. It does not cover you.

The coverages that protect you when you're hurt are uninsured motorist, underinsured motorist, and med pay. And a lot of full coverage policies don't have them.

So pull out your policy, look for those three, and if they're not there, call your carrier and add them.

If you're going through an injury accident right now and you need help, call me. I'll walk you through it.

Hey, it's Henry. Let's chat liability coverage for Arizona.

Here's what that means. Liability is the part of your policy that pays the other person when a crash is your fault. It's the only coverage Arizona makes you carry.

But notice who it protects. Them. Not you.

So if liability is all you've got, you're covered if you hurt somebody, and on your own if somebody hurts you - which means you need to rely on their insurance.

If you're going through an injury accident right now and you need help, call me, the consultation is always free.