If you are an Arizona driver and cause an automobile accident, you will likely be responsible for damages to the other people involved. A claim may be made or a lawsuit filed against you for these losses.If you have insurance, you will have protection up to the limits of your policy. However, if you do not have the appropriate coverage or adequate limits, you may have to pay for the property damage you caused and for any applicable medical expenses, lost wages, and the pain and suffering of any injured person. Of course, if you do not have any insurance, your money, property and other assets may be subject to collection to pay for these losses. Buying the right kind of insurance with adequate limits will help protect you so that this does not happen. Liability insurance will generally cover the damages you may have caused in an accident situation. It will also pay for a lawyer to defend you against any claim or lawsuit that may result from an accident. But what about you, your injuries and the damages to your vehicle? Do you have the right kind of insurance to protect you? And is it enough to cover your losses? There are various available to protect and pay for your injuries or damages to your automobile. These optional coverages will help pay for your losses, whether or not you caused the loss. If you don’t know whether your insurance coverage is adequate for your family’s needs, contact Pak & Moring for a consultation and evaluation of your automobile insurance policy.