This coverage pays for bodily injury to others for which you become legally responsible due to an auto accident in which you were involved. It does not pay for bodily injury you may sustain. You would need to have Medical Payments coverage in order to have the injuries you sustain in an auto accident covered under an auto policy.

No. Property Damage coverage protects you for damage you may cause to the vehicles or property of others. You would need to have Collision coverage on your auto policy in order to have coverage to fix or replace your vehicle in this situation.

As long as you give your permission, anyone who drives your vehicle (as long as that person is not specifically excluded) will be covered under your policy, but you will need to review your policy to see what situations are excluded.

In most cases, if the vehicle pulling the trailer is covered under the policy, the liability coverage will be extended to the trailer if you own the trailer. However, Physical Damage (comprehensive or collision) must be purchased separately. You will need to review your policy for exceptions.

If you replace your previously covered vehicle with a private passenger auto, pickup or van, it will have the same coverage as the vehicle it replaced. In most cases, you will need to notify the insurer or its agent or producer within 30 days or less of purchasing the different vehicle. You will need to review your policy to determine what notice requirements apply.

Some policies extend the coverage for an auto you already have on your policy to an additional vehicle. You will need to review your policy to determine whether your policy includes this extended coverage and how soon you will need to notify your insurer of the additional vehicle.

In most cases, your Arizona policy limits will be interpreted to provide at least the minimum limits required by the laws of the state in which you are operating your vehicle. You should review your policy to make certain this is the case.

Some insurers may provide coverage for business use vehicles depending upon the type of vehicle and its particular use in business, but you may need to purchase a commercial auto policy to receive the coverage you need. You should consult with an insurer or insurance agent or producer to determine the proper policy needed.

If you are in a share-the-expense car pool, your policy will provide the same protection as if you did not use your vehicle in a car pool.

If you vacation within the United States (and in most cases Canada), for liability coverage, the policy carried by the rental company will be primary (pay first), and your policy will be excess (pay second) if the rental company's limits are not enough to pay for the injuries or property damages you cause. For physical damage to the rental vehicle, some companies insurance allow the broadest coverages you have under your comprehensive and collisions coverages to apply to the rental vehicle, subject to the deductible stated in your policy. Before renting the vehicle, you should check with your insurer or insurance agent or producer to determine if your coverage applies to the rental vehicle.

Most Arizona personal auto policies will provide coverage for driving in Canada, but you should review your policy or contact your insurer or insurance agent or producer before driving into Canada to determine if your coverage applies in Canada.

Mexican law requires that you purchase separate liability coverage from a Mexican insurer before operating your vehicle in Mexico. Your Arizona personal auto policy may provide some limited coverage on a limited basis (within 25-50 miles of the Mexican border), but this coverage does not meet the insurance requirements of the Republic of Mexico. Failure to purchase proper Mexican liability insurance may result in many hours in a Mexican jail or a heavy fine if you are involved in an accident while operating your vehicle in Mexico.