If your winters are spent here in the Mesa, AZ area, and your summers in another location you love, you’re probably looking for ways to keep from doubling your expenses. Keeping a home, vehicle, and lifestyle in both places can use a lot of resources, even while you’re away. At The Morrow Insurance Agency, we have many clients who come and go on a seasonal basis, and we help them get the most from their insurance coverage without unnecessary complications. Many insurance companies understand that our lives can be quite flexible, and they have responded with options that keep you a happy customer year-round.

When You’re Not Covered, You’re Not Covered

One option people consider is canceling coverage when they’re not using their vehicle. It’s not just something snowbirds think about, around the country people consider buying coverage for motorcycles and other vehicles they only use during certain seasons. There are drawbacks to being a part-time customer of your insurance company, the most notable being that when your policy isn’t in effect, you still have risks and obligations to consider.

Arizona is one of the few states that allows you to register a vehicle without proof of insurance, so you might not need to give up your tags each time, but you definitely cannot drive without insurance. If your vehicle is uninsured and stolen or damaged, perhaps by weather, you’re stuck.

A Wait-and-See Approach

Pausing coverage and purchasing specialized storage coverage are two ways to keep some coverage on your vehicle in case weather, garage structural problems, theft, or other risks find and harm your vehicle. At The Morrow Insurance Agency, we can help you get covered in Mesa, AZ. We love to help snowbirds, call us today!

Auto insurance is a contract between a policyholder and the insurance company designed to protect the policyholder financially in case of a car accident or theft. Auto insurance is important as it covers expenses that may arise due to car damage, medical bills, or third-party claims. It also provides peace of mind knowing that you are financially secure in the event of an accident.

Types of Auto Insurance Coverage You Should Consider

If you live in the Mesa, AZ area, there are several types of auto insurance coverage offered by The Morrow Insurance Agency that you should consider when choosing an auto insurance policy. Liability insurance covers the costs of bodily injury and property damage to others that you may cause in an accident. Collision coverage pays for damage to your own vehicle in the event of an accident with another vehicle or object.

Comprehensive coverage covers damage to your car caused by things other than accidents, such as theft, natural disasters, or vandalism.

Uninsured motorist coverage protects you if you are in an accident with an uninsured or underinsured motorist, while personal injury protection covers medical expenses for you and your passengers in the event of an accident. Other optional types of coverage include rental reimbursement, roadside assistance, and gap insurance.

Filing an Auto Insurance Claim: A Step-by-Step Guide

If you are involved in an accident in the Mesa, AZ area, the first step is to call the police and report the accident. Then, you should contact your insurance company as soon as possible to report the claim. Provide them with all the necessary details and documentation, such as your policy number, the date and location of the accident, and the other driver’s information.

Your insurance company will investigate the accident and assign an adjuster to handle the claim. The adjuster will assess the damage, review the policy coverage, and negotiate a settlement with the involved parties. Make sure to cooperate with the adjuster and provide any further information they request.

Once the settlement has been agreed upon, your insurance company will pay for the damages covered under your policy. Always review your policy and make sure you understand what is covered and what is not so that you can make informed decisions about your insurance coverage.

We Are Here To Help

Overall, auto insurance is an essential protection for all drivers. It is important to understand the types of coverage available and how to file a claim in the event of an accident. By following this beginner’s guide, you can be well-prepared for any situation that may arise on the road. Contact us at The Morrow Insurance Agency for any questions you may have about the different policies available to you.