- By law, an Arizona driver with auto insurance must have bodily injury and property damage coverage. The minimum required is $15,000 bodily injury coverage for one person and $30,000 bodily injury coverage for one accident. For property damage, the minimum is $10,000.
- Bodily injury coverage pays for the injuries to occupants in the other vehicle when you are at fault. Property damage coverage pays for damage you cause to another vehicle or property and does not pay to repair your car.
- To have coverage for your own medical bills in an accident, you need medical payment or personal injury protection coverage. When you are at fault in an accident, collision coverage pays for the repairs to your vehicle.
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