Cheap Phoenix Auto Insurance

We have been taking about the tight insurance market in Phoenix and asking obvious questions to protect our rates. Click here for Cheap Phoenix auto insurance rates.

As we’ve seen already, a lot of the specific information relating to an insurance policy appears on the Declarations Page. This page includes all the things which are particular to a given policyholder—the names of the people covered by the policy, the dates it’s in effect and the cars covered.

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When you purchase a personal Auto Policy. only those accidents that occur during the policy period shown on the Declarations Page are covered. The policy period is therefore very important in determining whether coverage applies.

The beginning date of an insurance policy is called the effective date, since it is the date on which coverage begins to be effective. When coverage under a policy stops, we say that the policy has expired, and thus the date on which coverage stops or ends is called the expiration date.
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There is also a reference to a time of day with respect to the effective date and expiration date. It is important to pinpoint the time as well as the date on which coverage begins and ends. The Declarations Page will either mention or refer to any specific kinds of coverage added or dropped from the standard policy.

ELIGIBILITY
Particular people, vehicles, and situations are eligible for coverage under a Personal Auto Policy. The conditions of eligibility are sprinkled throughout the policy and the manual rules that govern how and when a policy may be written. We will consolidate most of them here. To be eligible, a vehicle must be owned by one of the following:
• an individual;
• a husband and wife who are residents of the same household;
• two or more relatives other than husband and wife, or two or more unrelated people in the same household, but only if a Joint Ownership Coverage Endorsement is attached to the policy;

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• a farm family co-partnership or farm family corporation.

Only private passenger vehicles are eligible for coverage under the Personal Auto Policy. To be considered a private passenger auto, the vehicle must, first of all, be a four-wheel motor vehicle.

Sedans and station wagons qualify as “private passenger autos” for coverage under a Personal Auto Policy. But pickup trucks, panel trucks, and vans may also be considered “private passenger autos” and be eligible for coverage if they satisfy the following requirements: • be owned by insured persons,

• have a Gross Vehicle Weight of less than 10,000 pounds,

• not be used in a freight or delivery business.

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