Arizona Uninsured and Underinsured Motorist Insurance

Although Arizona has its own mandatory minimum automobile liability requirements, it becomes your choice as to whether you want uninsured motorist (UM) and underinsured motorist (UIM) coverage. Since it’s estimated that up to 30 percent of all drivers on Arizona roads have no insurance, you’ll want to look into obtaining UM and UIM coverage.

Uninsured motorist coverage offers protection in the event that you or passengers in your vehicle are injured in an accident with an uninsured driver. UM also covers you if you’re involved in a hit-and-run accident. It can also protect members of your household as pedestrians, riding a bicycle, or even when they’re in the vehicle of somebody else. With UM coverage, your insurer pays medical bills, lost earnings, permanent disability or disfigurement, and other damages up to your policy limits.

Because the legislature set the policy limits for mandatory insurance so low, many insured drivers don’t really have sufficient coverage. $15,000 of coverage probably won’t pay for a night in the emergency room and a couple of days in the hospital, It’s wholly insufficient if any type of surgery is required. Like UM coverage, UIM coverage also pays compensatory damages.

We’re independent insurance agents and we live and work in and around Green Valley, AZ. We’re honest with you and we will give you objective and unbiased insurance information. Given the economy we live in, people are reducing their expenses as much as possible. One way they’re cutting costs is by not carrying UM and UIM coverage. This could lead to a serious financial crisis if they become the victims of a negligent uninsured or underinsured driver. If you don’t have UM or UIM coverage, you’ll want to add it to your existing policy today. Get a quote online or call us today. We’ll be available.



Data Backup: Is Your Business Covered?

Small and large businesses alike in Green Valley, AZ rely more and more on stored data to effectively operate. Data includes customer information, employee and payroll data, financial information, inventory details, and vendor information.

If you are not taking steps to regularly back-up this critical information you can be putting your business in jeopardy. Most IT people will tell you it is not a matter of if, but of when you will have data loss. The Small Business Administration says that almost half of small businesses who have between 2 and 20 employees experienced data loss in 2010. If you are unprepared it can be time consuming and costly to recover.

Data loss can be the result of simple software or hardware failure or it could be due to outside forces like lightening or water damage. While business insurance may cover the cost of equipment replacement, you will want to have it reviewed to see if it will cover the cost of reinstalling software and resetting your networks. At Insurance Center of Green Valley, we offer a full line of personal and business insurance products for our area. As an independent agency, we can research the products and prices from multiple providers, finding improved coverage at competitive prices.

We will be happy to conduct a business insurance review with you and will show you where you are and are not covered. We can discuss how and when your business electronics are protected. 

We invite you to visit our website and get an online quote for your homeowners or auto insurance. By answering a few questions, you can be on your way to savings.

Contact Insurance Center of Green Valley and make sure you have the business coverage you believe you do. Computers, electronics, and data are far too important to leave to chance.

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