A. Collision Coverage: Pays for the repair or replacement of your car (property damage) if it is damaged in an accident, regardless of who is at fault.

B. Liability Coverage: Pays for medical care of other people or damage to their property, if you are responsible for the accident.

C. 15\30\10: Insurance abbreviation for the minimum liability coverage required under Arizona law. $15,000 for the injury or death of one person in an accident or $30,000 total if there is more than one person injured or killed. The $10,000 refers to the property damage. Higher limits may be purchased and are recommended. See our recommendations for coverage you should have on your vehicles.

D. Uninsured Motorist Coverage: This pays if you are injured through the negligence of a hit and run driver or a driver who does not have insurance.

E. Underinsured Motorist Coverage: This pays if you are injured due to the negligence of a driver who does not have sufficient coverage to reimburse you for your medical bills, lost income and other expenses incurred as a result of his/her negligence.

F. Medical Payments Coverage: This pays you and your injured passengers for all "reasonable" medical, hospital and funeral expenses that result from an automobile collision regardless of who is at fault. Note that there is always a policy limit maximum in terms of dollar amount and number of years it will remain open. Be advised that some policies are "excess" concerning which you should refer to the policy language. We do not recommend "excess" med pay policies.

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