Mountain highways, open range and a long way to a trauma center. The part of an auto policy that matters first after a serious crash is the part almost nobody can quote from memory.
Medical payments cover pays regardless of fault, and it pays early, which is the whole point of it.
Three things that decide what happens in the first weeks after a crash, not the first minutes.
Liability pays when responsibility is settled, and that can run for months. Medical payments cover pays your own medical bills regardless of who caused it and without waiting for anyone to agree. On a rural highway with a long transport, the first invoice can be substantial and it arrives long before any determination of fault.
On open range in Arizona, livestock are entitled to be on the road and a driver who hits one may have no claim against the owner. That shifts the loss onto your own policy, and it is comprehensive cover rather than collision that answers for an animal.
Sustained descents work brakes and tires harder than flat driving does, and a mechanical failure is not an insured peril. What the policy decides is the crash that follows, which is why liability limits and your own collision deductible are worth revisiting rather than inheriting.
The lines on the declarations page that matter here.
It is inexpensive, it is often declined at the quote to save a few dollars, and it is the first cover to do anything useful after a serious crash.
An animal strike is comprehensive. A thousand dollar comprehensive deductible is a real decision on a road where that is a live possibility.
With a median home value of $564,100, state minimum limits leave a great deal of equity standing behind them.
Send the drivers, the vehicles and your current limits. We will tell you where the thin spots are.
We look at medical payments and comprehensive first, which most quotes skip.
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