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General insurance protects you and your assets from the financial risk of something going wrong.
It can’t stop something happening, but if something unexpected does happen that is covered by your policy it means you won’t have to pay the full cost of a loss.
Stay Connected
How We Can Help
General insurance protects you and your assets from the financial risk of something going wrong.
It can’t stop something happening, but if something unexpected does happen that is covered by your policy it means you won’t have to pay the full cost of a loss.
A Necessity Because Accidents Happen
Even the most cautious drivers are sometimes involved in a motor vehicle accident. Unfortunately, the consequences are often significant damage to property, severe injuries, and even death.
New Minimums for Liability Insurance in Arizona In 2020
The Arizona Legislature decided that it was finally time to increase the
minimum
requirements for auto liability coverage. Governor Ducey agreed as he signed the first such increase since 1972! The new minimum coverage amounts for bodily injury coverage will be $25,000 per person and $50,000 per accident. The minimum for property damage liability was also increased to $15,000.
Governor Ducey had vetoed a similar measure for increase last year. The primary concern at that time was that those with low incomes would struggle to afford the rising policy premiums.
Understanding The Six Types Of Auto Insurance
Bodily Injury Liability
This is what kicks in from your policy if you cause injury to someone else while driving. In Arizona, you are required by law to maintain a policy that covers $15,000 in bodily-injury liability insurance per person and $30,000 per incident.
Property Damage Liability
This is what protects you if you cause damage to someone else’s property. The state of Arizona requires you to maintain a policy that covers at least $10,000 in property damage per incident.
Collision
This is coverage that is used to repair or replace your vehicle following an accident. Examples include a collision with a car, tree or some other object.
Bodily Injury Liability
This is what kicks in from your policy if you cause injury to someone else while driving. In Arizona, you are required by law to maintain a policy that covers $15,000 in bodily-injury liability insurance per person and $30,000 per incident.
Property Damage Liability
This is what protects you if you cause damage to someone else’s property. The state of Arizona requires you to maintain a policy that covers at least $10,000 in property damage per incident.
Collision
This is coverage that is used to repair or replace your vehicle following an accident. Examples include a collision with a car, tree or some other object.
Medical Payments Coverage Or Personal Injury Protection
This may also be referred to as personal injury protection. It pays for medical expenses that are a result of an accident. Coverage applies to the insured party and their passengers.
Comprehensive Auto Insurance
Coverage used to repair or replace your vehicle from an incident that does not involve a collision. Examples of when this coverage applies include acts of vandalism or theft. Those financing a vehicle (making payments) will be required to maintain collision and comprehensive policies by the lender for protection of their collateral.
Uninsured Or Underinsured Motorist Coverage
Protects you if you are involved in an accident with a party that does not have the mandated liability insurance. If the bodily injury or property damage costs exceed the policy’s coverage limits, underinsured coverage will pay the difference.
Medical Payments Coverage Or Personal Injury Protection
This may also be referred to as personal injury protection. It pays for medical expenses that are a result of an accident. Coverage applies to the insured party and their passengers.
Comprehensive Auto Insurance
Coverage used to repair or replace your vehicle from an incident that does not involve a collision. Examples of when this coverage applies include acts of vandalism or theft. Those financing a vehicle (making payments) will be required to maintain collision and comprehensive policies by the lender for protection of their collateral.
Uninsured / Underinsured Motorist Coverage
Protects you if you are involved in an accident with a party that does not have the mandated liability insurance. If the bodily injury or property damage costs exceed the policy’s coverage limits, underinsured coverage will pay the difference.
Motorcycle Insurance
General insurance protects you and your assets from the financial risk of something going wrong.
It can’t stop something happening, but if something unexpected does happen that is covered by your policy it means you won’t have to pay the full cost of a loss.
If you live in Arizona, Tobin Insurance covers what you ride. We insure a full spectrum of motorcycles from street cycles, Harley Davidsons, cruisers, and touring bikes, to dirt bikes.
What You Need To Know
Your policy can include any or all of the options below.
Call us to discuss what coverage is best for you.
Bodily Injury Liability
You can pick the motorcycle insurance coverage that fits your needs. Many insurance companies offer underlying liability limits high enough to satisfy Personal Umbrella requirements, which means that you may be eligible for this additional coverage.
In most states, Guest Passenger liability (mandatory on all street bikes) is automatically included at the same limit as your liability selection.
Property Damage Liability
If you select custom parts coverage, most carriers offer up to $3,000 in coverage without any additional cost to you. Coverage is available for up to $10,000 in custom parts and equipment.
Bodily Injury Liability
You can pick the motorcycle insurance coverage that fits your needs. Many insurance companies offer underlying liability limits high enough to satisfy Personal Umbrella requirements, which means that you may be eligible for this additional coverage.
In most states, Guest Passenger liability (mandatory on all street bikes) is automatically included at the same limit as your liability selection.
Property Damage Liability
If you select custom parts coverage, most carriers offer up to $3,000 in coverage without any additional cost to you. Coverage is available for up to $10,000 in custom parts and equipment.
Roadside Assistance
Your motorcycle insurance policy can provide you with a roadside assistance benefit of up to $300 per breakdown.
Medical Payments Coverage Or Personal Injury Protection
This coverage provides for certain necessary medical expenses for you and any passenger that are the result of an accident.
Roadside Assistance
Your motorcycle insurance policy can provide you with a roadside assistance benefit of up to $300 per breakdown.
Medical Payments Coverage Or Personal Injury Protection
This coverage provides for certain necessary medical expenses for you and any passenger that are the result of an accident.
Rv/Trailer
Accidents can happen at any time, day or night. That’s why our team is available to help you through the claims process no matter what time you call.
RV insurance is different than car insurance. That’s why motorhomes, travel trailers and campers need custom coverage.
Our RV insurance gives you many of the same benefits you get with car insurance coverage, but includes more protection based on the unique risks that RVs face.
RV Insurance Coverages
Your policy can include any or all of the options below.
Call us to discuss what coverage is best for you.
Bodily Injury Liability
If you get into an accident with your RV and other people get hurt, this coverage helps pay their medical expenses..
Property Damage Liability
If your RV or trailer damages another person’s property, like their car or home, this coverage can help pay for their repairs.
Bodily Injury Liability
If you get into an accident with your RV and other people get hurt, this coverage helps pay their medical expenses..
Property Damage Liability
If your RV or trailer damages another person’s property, like their car or home, this coverage can help pay for their repairs.
Collision
This helps pay for your repair costs if your RV gets damaged in an accident.
Medical Payments Coverage Or Personal Injury Protection
This helps cover treatment or recovery costs if you or your passengers get hurt in an accident.
Collision
This helps pay for your repair costs if your RV gets damaged in an accident.
Medical Payments Coverage Or Personal Injury Protection
This helps cover treatment or recovery costs if you or your passengers get hurt in an accident.
ATV & Off Road
When you’re out on an all-terrain vehicle, you can expect to feel the wind in your face as you watch the landscape zip by. But ATV riding also can also be unpredictable:
Whether it’s the result of an unexpected hole or bump, a steep slope or a collision with another rider, you don’t want an accident to ruin your good times.
If you cause an accident that causes someone else’s injuries or damage to their property, the liability coverage in an
ATV insurance policy may help prevent you from paying out of pocket for resulting medical bills or repairs.
HOW CAN ATV COVERAGE HELP?
Liability coverage typically includes two types of protection:
Bodily Injury Liability
This is the liability coverage that kicks in if you cause an accident that injures another person. It typically helps cover that person's medical bills.
Property Damage Liability
This is coverage that's designed to help when you cause an accident that damages someone else's property. For instance, it may help cover the cost to repair damage to a building or fence after a collision.
Bodily Injury Liability
This is the liability coverage that kicks in if you cause an accident that injures another person. It typically helps cover that person's medical bills.
Property Damage Liability
This is coverage that's designed to help when you cause an accident that damages someone else's property. For instance, it may help cover the cost to repair damage to a building or fence after a collision.
Golf Cart & Low Speed Vehicles
The difference between a golf cart and a low speed vehicle (LSV), often called a “street legal” golf cart is fairly simple.
A LSV must be titled, registered and insured, adhering to the same requirements as a motor vehicle. Golf carts on the other hand, are not required to adhere to the same rules and regulations and are not required by law to be insured.
However, many private communities require you carry liability at minimum, if you own a golf cart and live within that community.
Some auto insurance companies allow insureds to add a LSV right on their auto policy while others will require a separate policy be written. If you have a golf cart that goes no more than 15 miles per hour and is used only on personal property, a golf course or designated roads within a private community, then often times (not always), it can be added to your homeowners insurance policy.
What Your Golf Cart Policy Covers
Golf cart insurance requirements vary depending on where you live. And wherever you call home, Safeco has you covered. Our policies are written to satisfy all U.S. state requirements, so talk with your local independent agent to learn about mandatory insurance levels in your area including:
Bodily Injury Liability
This coverage helps pay hospital bills, medical expenses, and other costs related to an accident you are responsible for that injures someone other than a guest passenger.
This coverage is the amount available to pay other people in the event of an injury. Since even minor accidents can incur significant medical costs, having enough body injury liability is important for your protection.
Talk with an independent agent to assess your risk.
Property Damage Liability
If you're responsible for an accident, this coverage helps pay for repairs to someone else's vehicle or personal property you damaged.
Bodily Injury Liability
This coverage helps pay hospital bills, medical expenses, and other costs related to an accident you are responsible for that injures someone other than a guest passenger.
This coverage is the amount available to pay other people in the event of an injury. Since even minor accidents can incur significant medical costs, having enough body injury liability is important for your protection.
Talk with an independent agent to assess your risk.
Property Damage Liability
If you're responsible for an accident, this coverage helps pay for repairs to someone else's vehicle or personal property you damaged.
Collision
Collision coverage helps pay to repair damage caused by an accident regardless of who is at fault. You're also covered if your golf cart or LSV is knocked over, hit, or collides with another object.
Medical Payments Coverage Or Personal Injury Protection
This option helps cover hospital bills and other medical care expenses for you and your any passengers injured in an accident, no matter who is at fault.
Collision
Collision coverage helps pay to repair damage caused by an accident regardless of who is at fault. You're also covered if your golf cart or LSV is knocked over, hit, or collides with another object.
Medical Payments Coverage Or Personal Injury Protection
This option helps cover hospital bills and other medical care expenses for you and your any passengers injured in an accident, no matter who is at fault.
Snowmobile
Snowmobile insurance typically helps cover you and your sled in a number of ways.
For instance, a snowmobile insurance policy may help pay to repair damage to your sled or prevent you from paying out of pocket if you injure another person or damage their property while riding your snowmobile.
A Snowmobile Insurance Policy May Include
These coverages are typically optional on a snowmobile insurance policy. Your agent can help you tailor a policy that fits your needs. Here’s a look at how common snowmobile coverages work.
Bodily Injury Liability
If you injure someone else in an accident, you may be found legally responsible for their medical expenses.
Bodily injury liability coverage may help cover the costs of their resulting medical bills.
Property Damage Liability
Should you accidentally damage someone else's property, such as a fence or home, while riding your snowmobile, property damage liability coverage may help pay for the cost of repairs.
If you're found responsible for an accident with another snowmobile, this coverage may also help cover the cost of repairs to the other rider's sled.
Bodily Injury Liability
If you injure someone else in an accident, you may be found legally responsible for their medical expenses.
Bodily injury liability coverage may help cover the costs of their resulting medical bills.
Property Damage Liability
Should you accidentally damage someone else's property, such as a fence or home, while riding your snowmobile, property damage liability coverage may help pay for the cost of repairs.
If you're found responsible for an accident with another snowmobile, this coverage may also help cover the cost of repairs to the other rider's sled.
Collision
Whether you slide into a fence, hit a fallen branch or collide with another snowmobile, repairing your snowmobile can be expensive.
Collision coverage may help pay for the cost of those repairs so you can get back out on the trails.
Comprehensive Coverage
Comprehensive coverage may help pay for repairs or replacement if your sled is stolen or damaged by something other than a collision.
Covered risks may include hail or vandalism.
Collision
Whether you slide into a fence, hit a fallen branch or collide with another snowmobile, repairing your snowmobile can be expensive.
Collision coverage may help pay for the cost of those repairs so you can get back out on the trails.
Comprehensive Coverage
Comprehensive coverage may help pay for repairs or replacement if your sled is stolen or damaged by something other than a collision.
Covered risks may include hail or vandalism.
Boat & Watercraft
Most home insurance policies have limited coverage on boats. If you own a boat, purchasing watercraft insurance will ensure you have adequate coverage for theft, damage, and injuries or accidents while you are on the water, as well as some of your expensive watersports gear.
Do You Know What To Look For In A Watercraft Insurance Policy?
Here are some items you’ll need to consider when shopping for boat insurance.
Navigational Area
Know where you are covered in the water. Some companies offer protection that covers you up to 75 miles from the U.S. coastline; into Canadian coastal or inland waters; and into the Pacific coastal waters of Mexico.
In California, Florida and Oregon, additional coverage area can be purchased.
Agreed Value Coverage
Watercrafts depreciate just like automobiles. Actual cash value policies can make it difficult to replace a boat that’s been stolen or destroyed. This means that if your boat is a total loss, you will get the value you insured it for, minus any deductible.
Navigational Area
Know where you are covered in the water. Some companies offer protection that covers you up to 75 miles from the U.S. coastline; into Canadian coastal or inland waters; and into the Pacific coastal waters of Mexico.
In California, Florida and Oregon, additional coverage area can be purchased.
Agreed Value Coverage
Watercrafts depreciate just like automobiles. Actual cash value policies can make it difficult to replace a boat that’s been stolen or destroyed. This means that if your boat is a total loss, you will get the value you insured it for, minus any deductible.
Liability
Like car insurance, personal liability coverage provides coverage to other boaters and boat owners in the event you are at-fault for an accident on the water.
This coverage will pay to repair or replace the property of someone else as well as for their medical care, lost wages and other costs incurred as a result of a boating accident for which you are at-fault..
Medical Payments
Medical payments coverage will pay for the cost of needed care that is the result of a boating accident. This coverage is available from $500 to $10,000 and covers you, your passengers, and even your water skiers/tubers, regardless of who is at-fault.
Liability
Like car insurance, personal liability coverage provides coverage to other boaters and boat owners in the event you are at-fault for an accident on the water.
This coverage will pay to repair or replace the property of someone else as well as for their medical care, lost wages and other costs incurred as a result of a boating accident for which you are at-fault..
Medical Payments
Medical payments coverage will pay for the cost of needed care that is the result of a boating accident. This coverage is available from $500 to $10,000 and covers you, your passengers, and even your water skiers/tubers, regardless of who is at-fault.
Physical Damage Coverage
Physical damage coverage pays for the cost to repair or replace your watercraft, its motor, any permanently attached equipment, and your trailer, if it is stolen or damaged.
Uninsured/Underinsured Watercraft Bodily Injury
Since boat coverage is not always mandatory, many boaters choose not to get insurance. If you are hit by an uninsured or underinsured boater, and you are injured, this type of coverage pays for medical treatment, lost wages, and other costs associated with the accident.
Physical Damage Coverage
Physical damage coverage pays for the cost to repair or replace your watercraft, its motor, any permanently attached equipment, and your trailer, if it is stolen or damaged.
Uninsured/Underinsured Watercraft Bodily Injury
Since boat coverage is not always mandatory, many boaters choose not to get insurance. If you are hit by an uninsured or underinsured boater, and you are injured, this type of coverage pays for medical treatment, lost wages, and other costs associated with the accident.
Personal Effects
Your policy can provide coverage for many personal effects, including clothing, jewelry, cell phones, scuba/snorkeling and other sporting equipment, and fishing equipment.
Limits vary by state. Personal effects coverage does not include jewelry, watches or furs.
Emergency Assistance
The Emergency Assistance Package provides coverage for towing, labor and delivery of gas, oil or loaned battery if the watercraft is disabled while on the water.
Personal Effects
Your policy can provide coverage for many personal effects, including clothing, jewelry, cell phones, scuba/snorkeling and other sporting equipment, and fishing equipment.
Limits vary by state. Personal effects coverage does not include jewelry, watches or furs.
Emergency Assistance
The Emergency Assistance Package provides coverage for towing, labor and delivery of gas, oil or loaned battery if the watercraft is disabled while on the water.
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