Most people don’t have the complete knowledge of what exactly it covers.
Its important for people to protect themselves in case they get into an accident with someone who either has no auto insurance or doesn’t have enough coverage you also get compensated for pain and suffering. Its an important coverage for consumers because it protects them in situations they cant plan for. Without this coverage, their only recourse would be to sue an individual.
Uninsured coverage also covers you if a hit-and-run motorist you and your passengers receive compensation for medical expenses, lost wages, pain and suffering and other injury-related losses. You can sue that person, but if that driver has nothing, you’ll get nothing. Uninsured motorist protection can help you in another way. “Lets say you or your children is pedestrian. If you carry this coverage and you get hit by a car while you’re trying to cross the street or the kids are playing on the sidewalk, this coverage could pay your medical expenses and lost wages.
Under insured motorist protection pays you for damages that surpass the amount of coverage carried by a driver who is under insured. “That’s valuable, because many drivers carry minimum limits, and that may be insufficient to cover your injuries and lost wages.
Jennifer Brewer
Manager
4450 E Mcdowell Rd Ste E115
Phoenix Az 85008
P: 602.266.3200
F: 602.266.3205
Tuesday, August 4, 2009
HB2224
Bill HB2224 is now law. I know, what is HB2224 right?. Its a "no Insurance"law. Here in Arizona for as long as I can remember If you were caught driving with out insurance you would get a ticket, usually the ticket would be for $960.00. Before HB2224 became a law if you got a ticket for no insurance you could buy an insurance policy literally 1hr before you court date and the judge would knock down the fine to about $200 . Right after court you could cancel your policy right away get your money back and be on your mary way.
Well this new law will help prevent this from happening. In a way this takes the power away from the judge when it comes down to waving or lowering penalty fees. Lets say its your first offense. The law states that you will get a minimum penalty fee of $500 and you will get your drivers license and registration suspended for 3 months. Talk about tough huh?
On your second offense, if you dare to do it again. I know I wont!. You would pay $750 and get your Drivers license and registration suspended for 6 months. Thats a lot of public transportation! And finally if you do it 3 or more times you would pay $1,000 and get your drivers license and registration suspended for 1 year and be required to get an SR-22* .
Your probably wondering why or how does this affect me personally anyway? Since I'm sure you always have insurance on your vehicle. In case you didn't know for the past 5 years Arizona has been rated as one of the highest uninsured motorist (driving with out insurance)states. This affects everyone have you ever been involved in an accident with a person who has no insurance? It sucks. And not just that are you wondering why your insurance rates keep going up every 6months even if you have been a perfect driver. Well I'll tell you uninsured drivers that's why. Every time an uninsured driver causes an accident in our state and the other insurance company , who at no fault of their insured has to pay to get the car fixed.
This law will help keep our roads safer and our insurance cost lower, a win-win in my book. If you don't have insurance now get it . Call Oasis insurance they will get you insured ASAP and keep you from getting all those fines!.
*SR-22 is document or electronic certification issued by an auto insurance company that verifies to the state that you have an active auto insurance policy. It will also notify the state if you cancel you policy, then the state suspends your registration and sometimes suspends your drivers license until you activate your insurance again
van Martinez
Manager
imartinez@oasisinsurance.com
El Mirage Office
11922 W Thunderbird Rd
El mirage, AZ 85335
(P)623-933-2221
(F)623-933-7430
Surprise Office
12751 W Bell Rd #14
Surprise,AZ 85374
(P)623-977-1500
(F)623-977-4191
Well this new law will help prevent this from happening. In a way this takes the power away from the judge when it comes down to waving or lowering penalty fees. Lets say its your first offense. The law states that you will get a minimum penalty fee of $500 and you will get your drivers license and registration suspended for 3 months. Talk about tough huh?
On your second offense, if you dare to do it again. I know I wont!. You would pay $750 and get your Drivers license and registration suspended for 6 months. Thats a lot of public transportation! And finally if you do it 3 or more times you would pay $1,000 and get your drivers license and registration suspended for 1 year and be required to get an SR-22* .
Your probably wondering why or how does this affect me personally anyway? Since I'm sure you always have insurance on your vehicle. In case you didn't know for the past 5 years Arizona has been rated as one of the highest uninsured motorist (driving with out insurance)states. This affects everyone have you ever been involved in an accident with a person who has no insurance? It sucks. And not just that are you wondering why your insurance rates keep going up every 6months even if you have been a perfect driver. Well I'll tell you uninsured drivers that's why. Every time an uninsured driver causes an accident in our state and the other insurance company , who at no fault of their insured has to pay to get the car fixed.
This law will help keep our roads safer and our insurance cost lower, a win-win in my book. If you don't have insurance now get it . Call Oasis insurance they will get you insured ASAP and keep you from getting all those fines!.
*SR-22 is document or electronic certification issued by an auto insurance company that verifies to the state that you have an active auto insurance policy. It will also notify the state if you cancel you policy, then the state suspends your registration and sometimes suspends your drivers license until you activate your insurance again
van Martinez
Manager
imartinez@oasisinsurance.com
El Mirage Office
11922 W Thunderbird Rd
El mirage, AZ 85335
(P)623-933-2221
(F)623-933-7430
Surprise Office
12751 W Bell Rd #14
Surprise,AZ 85374
(P)623-977-1500
(F)623-977-4191
Need a quote?
There is an easy way that you can get better car insurance. Believe it or no, many people do not like the car insurance that they currently have in place due to price or service they receive. But instead of doing anything about it, they keep things the same month after month. Why pay for something that you do not like? This is a wast of money. With a few simple changes and one easy phone call to Oasis Insurane you can easily find yourself with a better car insurance policy and less stress in your life. So what is the magical formula for finding a better car insurance company? It's no secret, you need to obtain multiple quotes from Oasis Insurance. In other words, if you think that there is something better out there, then there probably is, so you need to go out and find it. The best way to do this is by obtaining quotes from Oasis Insurnace online or by calling one or our offices. Remember, your provider is not the only one around. What do I do with all of these quotes? Once you have a list of quotes, you can then see what other companies have to office. Do you see a policy with a better price? How about one at the same price but with more coverage. Here at Oasis we will give your best option for price and coverage. You don't need to know alot about car insurance to be able to compare your coverages to the quotes your receive. The information is self- explanitory, and all it takes is some time to go over each quote. The easiest way to find a better car insurance policy is to compare quotes to your current coverage. This is simple on the surface, and you will find that it does not get much more difficult. Soon enough you will know how good your car insurance policy is, and whether or not making a change will be for the better.
Jorge Franco
Oasis Insurance
7614 W. Indian School Rd # D4
Phoenix, AZ 85033
(623)848-4642
jfranco@oasisinsurance.com
Jorge Franco
Oasis Insurance
7614 W. Indian School Rd # D4
Phoenix, AZ 85033
(623)848-4642
jfranco@oasisinsurance.com
Glass Coverage
Working as an Insurance Agent you see a lot of people get confused with this type of coverage because a lot of them think when they get full glass coverage is automatically included, but every company is different.
Glass coverage is a type of comprehensive auto insurance that may either be included in the comprehensive coverage with the same deductible or as a separate coverage, depending on the insurance company.
Separate glass coverage has lower deductibles than most comprehensive policies, most companies here in AZ offer zero deductible. This means that if you break your windshield and it must be replaced you would be responsible for 50 to 100 dollars of the cost, or nothing at all, depending on your policy.
Most glass coverage also offers free chip fixes. If you get a small crack or chip in your windshield and get it fixed in time, it will likely be covered at no charge, depending on your insurance company.
So if you have any questions or need any quotes feel free to give Oasis Insurance a call for a free no obligation quote and talk to one of our Representatives
Thank you,
Ginna Lemus
Office Manager
7614 W Indian School Rd #D4 & D5
Phoenix, Az 85033
623-848-4642
Glass coverage is a type of comprehensive auto insurance that may either be included in the comprehensive coverage with the same deductible or as a separate coverage, depending on the insurance company.
Separate glass coverage has lower deductibles than most comprehensive policies, most companies here in AZ offer zero deductible. This means that if you break your windshield and it must be replaced you would be responsible for 50 to 100 dollars of the cost, or nothing at all, depending on your policy.
Most glass coverage also offers free chip fixes. If you get a small crack or chip in your windshield and get it fixed in time, it will likely be covered at no charge, depending on your insurance company.
So if you have any questions or need any quotes feel free to give Oasis Insurance a call for a free no obligation quote and talk to one of our Representatives
Thank you,
Ginna Lemus
Office Manager
7614 W Indian School Rd #D4 & D5
Phoenix, Az 85033
623-848-4642
Limits of Liability
Arizona state law for automobile insurance financial responsibility requires you carry limits of at least 15,000 per person, 30,000 max per accident for bodily injury and 10,000 max for property damage for third party damages.
In reality that is not sufficient coverage in any case regardless of your financial position, you can get into a minor accident with just about any car on the road and meet or exceed those limits quickly. If you get into a serious accident you can exceed those limits all to quickly. If the damages you cause are severe enough, and you have any assets of value you can risk being sued for the damages you caused along with compensation for pain and suffering should your policy limits not be sufficient to cover those damages. You can be at risk for loosing your home, car, tax liens, judgements, anything else of value you may own, etc. It's something you would much rather not go through.
Even if you don't have any assets of value your still at risk for other repercussions you may not know about.
You can avoid having this happen to you, or minimize the risk by purchasing higher limits of liability on your auto insurance policy. At Oasis Insurance our agents evaluate each clients individual needs and offer you adequate coverage for your specific situation. Often, increasing your limits of liability is such a small difference in your premium its not worth the risk of not get them at higher limits. All to often some agencies do not evaluate each clients individual needs and offer them adequate coverage and just sell you anything to close a deal. Being in business since 1997, Oasis Insurancehas learned to recognize different needs for different customers and is able to offer you unbeatable rates anywhere in The Valley regardless of your economic situation.
You should always review your policy with your agent upon renewal to ensure your policy limits and other coverages are where they should be.
Ramiro Madrigal
Agent/Assistant Manager
753 S Alma School Rd Suite 14
Mesa, AZ 85210
(P)480-733-2682
(F)480-733-2681
In reality that is not sufficient coverage in any case regardless of your financial position, you can get into a minor accident with just about any car on the road and meet or exceed those limits quickly. If you get into a serious accident you can exceed those limits all to quickly. If the damages you cause are severe enough, and you have any assets of value you can risk being sued for the damages you caused along with compensation for pain and suffering should your policy limits not be sufficient to cover those damages. You can be at risk for loosing your home, car, tax liens, judgements, anything else of value you may own, etc. It's something you would much rather not go through.
Even if you don't have any assets of value your still at risk for other repercussions you may not know about.
You can avoid having this happen to you, or minimize the risk by purchasing higher limits of liability on your auto insurance policy. At Oasis Insurance our agents evaluate each clients individual needs and offer you adequate coverage for your specific situation. Often, increasing your limits of liability is such a small difference in your premium its not worth the risk of not get them at higher limits. All to often some agencies do not evaluate each clients individual needs and offer them adequate coverage and just sell you anything to close a deal. Being in business since 1997, Oasis Insurancehas learned to recognize different needs for different customers and is able to offer you unbeatable rates anywhere in The Valley regardless of your economic situation.
You should always review your policy with your agent upon renewal to ensure your policy limits and other coverages are where they should be.
Ramiro Madrigal
Agent/Assistant Manager
753 S Alma School Rd Suite 14
Mesa, AZ 85210
(P)480-733-2682
(F)480-733-2681
Basic Full Coverage
When you go into an insurance agency and ask for "basic full coverage" do you understand what you are purchasing? Let me explain,that means most of the time you have purchased the lowest liability coverage availble which is Bodily Injury coverage at 15,000 per person, 30,000 per accident, and 10,000 property damage of others. Many refer to this coverage as BIPD. You have also purchased comprehensive which covers Fire, Theft and Vandalism, and Collision incase you vehicle is in a collision accident of any sort, a deductible is chosen anywhere from $100 to $1,500 which you are responsible for in order for the company to investigate & finish the claim process. THATS IT! You did not purchase Medical Payments for you or your passengers, Un-insured/Under-insured Motorist, Glass Coverage, Towing, or Rental.....You have asked for just the "basic"and that is what is sold to you per your request. This satisfies the state mandatory insurance coverage and most of the time the leinholder/finance company, but in all reality, if you were depending on your policy to have sufficient coverage and limits to cover you over and beyond, to not have to worry about getting sued, or put a lein on any assets you own incase it was a huge severe accident and many medical bills were incurred, or if you needed a vehicle to get you to work for a loaner car this is not the coverage you need . Please make sure next time you ask for "basic full coverage" you understand what your signature is agreeing too. Oasis Insurance would gladly help you with a good policy to cover all your insurance needs.
Have a wonderful day =o)
Corina Gonzales
Office Manager
Oasis Insurance
3202 E Greenway Rd Ste1615
Phoenix, AZ 85037
ph:602-569-2323
Fax: 602-765-4563
Have a wonderful day =o)
Corina Gonzales
Office Manager
Oasis Insurance
3202 E Greenway Rd Ste1615
Phoenix, AZ 85037
ph:602-569-2323
Fax: 602-765-4563
Auto Liability Coverage
In the State of Arizona it is a mandatory law that each individual who has a registered vehicle and a valid driver's license carry auto insurance, however not everyone obeys the law and this could lead to a hefty fine if you should happen to get pulled over by a police officer or cause an accident and have no proof of insurance. Here at OASIS we will give a quote based on the information that you give us,we will put that information into our computer system, which then will find the best company that suits your needs. If it's just basic liability or full coverage that you need we can definitely help you out.
For those of us who are not sure what LIABILITY COVERAGE is, I will explain it: This is the portion that protects against claims for legal liability arising out of auto accidents. This also provides legal defense and pays sums necessary to settle claims against the insured person.
The required minimum limits by Arizona State law are your Bodily Injury limits of $15,000 per person and up to $30,000 per occurrence and Property Damage limit of $10,000 per accident.
So pick up that telephone and give us a call here at OASIS, and let one of our friendly and knowledgeable agents give you that quote.
Alfredo Ramirez
Manager
4341 W Bethany Home Rd
Glendale, AZ 85301
P: 623.847.7099
F: 623.847.1003
For those of us who are not sure what LIABILITY COVERAGE is, I will explain it: This is the portion that protects against claims for legal liability arising out of auto accidents. This also provides legal defense and pays sums necessary to settle claims against the insured person.
The required minimum limits by Arizona State law are your Bodily Injury limits of $15,000 per person and up to $30,000 per occurrence and Property Damage limit of $10,000 per accident.
So pick up that telephone and give us a call here at OASIS, and let one of our friendly and knowledgeable agents give you that quote.
Alfredo Ramirez
Manager
4341 W Bethany Home Rd
Glendale, AZ 85301
P: 623.847.7099
F: 623.847.1003
I only want street legal insurance
A lot of client come in the office requesting auto insurance quotes, asking only for “street legal insurance” or “ insurance to show the cops if pulled over”. Some times we need to step back and see the real picture , insurance is not for the cops and street legal has the minimum limits.
In AZ It's 15/30/10 what do this numbers stand for, if you are at fault in an accident your insurance will pay the other driver $15,000 tops per person for medical payments, and $30,000 tops per occurrence only for medical payments, and it refers to; in one accident your limits will only pay $30,000 so if you have more than 4 passengers in the vehicle you hit only 30,000 will be available to share in the 4 passengers. The las 10 refers to $10,000 for Property Damage , the average vehicle on the streets is more than $12,000 , Another scenario say the vehicle hit is not a total loss but you hit 2 vehicles, the $10,000 limit would have to share in 2 vehicle 5,000 per vehicle. Now if any thing goes over your limits your liable. Or in other word you would pay out of pocket.
If you are asking for this “street legal insurance “not only the coverage you are asking is the minimum but you are not asking for medical coverage if some one hits you, and guess what your passengers can also sue you if you in an accident.
“Solo lo que requiere la ley”
Muchos clientes piden presupuestos con cobertura “ solo lo que requiere la ley” o “solo aseguranza para mostrarle a la policía si te para” En este caso necesitamos analizar la petición, la aseguranza no es para la policía y los limites minimos en casos no son suficientes,
Los limites minimos en Arizona so 15/30/10 y esto números se refieren a los pagos medicos del otro conductor en un accident $15,000 por persona como tope y $30,000 por accidente, en otras palabras el limite es $30,000 por accidente digamos que el otro vehículo tenia 4 pasajeros tus limite solo paga el tope de 30,000 para los gastos medicos, El ultimo 10 se refiere a $10,000 para reparar o pagar propiedad dañada, el vehículo promedio en las calles es de $12,000 , o en otro caso digamos que en el accident le pegas a 2 vehiculos, tu limit solo tendría $10,000 para compartir en los 2 vehículos en otras palabras $5,000 por vehiculo, Si alguna cantidad supera tus limites de tu azaguranza tendrias que pagar de tu bolsillo.
Si pides aseguranza solo con lo que la ley requiere no solo estas pidiendo los mínimos limites, si no que no estas pidiendo cobertura para gastos medicos si hay un accidente y el otro conductor es culpable, tus pasajeros también pueden demandarte si no tienes cobertura para gastos medicos.
--
Thank you.
Enrique I Abularach
Office Manager,
Oasis Insurance
3024 W Van Buren #138
Phoenix, AZ 85009
phone(602)233-5500
fax(602)233-5550
www.oasisinsurance.com
In AZ It's 15/30/10 what do this numbers stand for, if you are at fault in an accident your insurance will pay the other driver $15,000 tops per person for medical payments, and $30,000 tops per occurrence only for medical payments, and it refers to; in one accident your limits will only pay $30,000 so if you have more than 4 passengers in the vehicle you hit only 30,000 will be available to share in the 4 passengers. The las 10 refers to $10,000 for Property Damage , the average vehicle on the streets is more than $12,000 , Another scenario say the vehicle hit is not a total loss but you hit 2 vehicles, the $10,000 limit would have to share in 2 vehicle 5,000 per vehicle. Now if any thing goes over your limits your liable. Or in other word you would pay out of pocket.
If you are asking for this “street legal insurance “not only the coverage you are asking is the minimum but you are not asking for medical coverage if some one hits you, and guess what your passengers can also sue you if you in an accident.
“Solo lo que requiere la ley”
Muchos clientes piden presupuestos con cobertura “ solo lo que requiere la ley” o “solo aseguranza para mostrarle a la policía si te para” En este caso necesitamos analizar la petición, la aseguranza no es para la policía y los limites minimos en casos no son suficientes,
Los limites minimos en Arizona so 15/30/10 y esto números se refieren a los pagos medicos del otro conductor en un accident $15,000 por persona como tope y $30,000 por accidente, en otras palabras el limite es $30,000 por accidente digamos que el otro vehículo tenia 4 pasajeros tus limite solo paga el tope de 30,000 para los gastos medicos, El ultimo 10 se refiere a $10,000 para reparar o pagar propiedad dañada, el vehículo promedio en las calles es de $12,000 , o en otro caso digamos que en el accident le pegas a 2 vehiculos, tu limit solo tendría $10,000 para compartir en los 2 vehículos en otras palabras $5,000 por vehiculo, Si alguna cantidad supera tus limites de tu azaguranza tendrias que pagar de tu bolsillo.
Si pides aseguranza solo con lo que la ley requiere no solo estas pidiendo los mínimos limites, si no que no estas pidiendo cobertura para gastos medicos si hay un accidente y el otro conductor es culpable, tus pasajeros también pueden demandarte si no tienes cobertura para gastos medicos.
--
Thank you.
Enrique I Abularach
Office Manager,
Oasis Insurance
3024 W Van Buren #138
Phoenix, AZ 85009
phone(602)233-5500
fax(602)233-5550
www.oasisinsurance.com
Gap Insurance
Gap Insurance.
Oasis Insurance sells Gap Insurance on our website visit www.oasisinsurance.com Gap Insurance can be purchase by anyone who has a loan on a vehicle. Gap Insurance is not mandatory, your bank does not require it when you purchase a loan but is highly recommended. Gap insurance is designed to pay off your loan if your vehicle is a total loss and you owe more than it is worth. For example your loan balance is $8753 when your vehicle is totaled your insurance company will only pay you fair market value for your vehicle which at time of lose is only $6500. If you have purchased Gap Insurance from Oasis Insurance they would pay the additional $2273 to pay off your loan. If you did not purchase Gap Insurance from Oasis Insurance you would still owe your bank the $2273 and would not have a car anymore. In some cases you may owe the bank thousands and thousands of dollars for a car that has been declared a total loss. If you are looking for Gap Insurnace you must need auto Insuance Oasis insurance works with over 30 Ins companies we can always find you the lowest rate possilbe.Call Oasis Insurance today at 480-649-8001 press 3 for quotes or visit our website http://www.oasisinsurance.com
Brandon Brewer
Manager
Oasis Insurance
Oasis Insurance sells Gap Insurance on our website visit www.oasisinsurance.com Gap Insurance can be purchase by anyone who has a loan on a vehicle. Gap Insurance is not mandatory, your bank does not require it when you purchase a loan but is highly recommended. Gap insurance is designed to pay off your loan if your vehicle is a total loss and you owe more than it is worth. For example your loan balance is $8753 when your vehicle is totaled your insurance company will only pay you fair market value for your vehicle which at time of lose is only $6500. If you have purchased Gap Insurance from Oasis Insurance they would pay the additional $2273 to pay off your loan. If you did not purchase Gap Insurance from Oasis Insurance you would still owe your bank the $2273 and would not have a car anymore. In some cases you may owe the bank thousands and thousands of dollars for a car that has been declared a total loss. If you are looking for Gap Insurnace you must need auto Insuance Oasis insurance works with over 30 Ins companies we can always find you the lowest rate possilbe.Call Oasis Insurance today at 480-649-8001 press 3 for quotes or visit our website http://www.oasisinsurance.com
Brandon Brewer
Manager
Oasis Insurance
Its the law
HERE AT OASIS INSURANCE AGENCY WE HAVE OFFICES ALL OVER THE ARIZONA VALLEY, EAST TO WEST NORTH TO SOUTH. OUR PROFESSIONAL AGENTS MAKE IT EASY, FAST AND SOFT ON YOUR POCKET BOOK. WE CATER TO OUR CLIENTS. OASIS HAS OVER 40 COMPANIES TO CHOOSE FROM. WE OFFER ANYTHING FROM AUTO,COMMERCIAL AUTO, AND SR22, PROFESSIONAL LIABILITY AND BUSINESS INSURANCE AND HEALTH, HOME OWNERS ALL LINES INCLUDING RENTERS THAT IS VERY POPULAR. YOU CAN PURCHASE INSURANCE FOR MEXICO RIGHT FROM OUR WEB SITE ITS EASY AND FAST. OUR PRICES ARE THE LOWEST IN TOWN SO YOU STOP AND SHOP WITH US RIGHT NOW. IT IS MANDATORY TO CARRY LIABILTY INSURANCE. ARIZONA REQUIRES $15000/$30.000/$10.000 AND IF YOU DONT HAVE INSURANCE THE FINE IS OVER A $1000.00 AND THEY DO NOT GIVE YOU A BREAK, ITS THE LAW.
Yolanda Corrales
Agent
Oasis Insurance
Yolanda Corrales
Agent
Oasis Insurance
Oasis Insurance
Oasis is a company in Arizona that all you have to do is give us your information just one time, and they offer you over 40 companies to choose from. One call is all you need to get a cheap down payment and a low monthly rates.
Oasis has offices all over Arizona from east to west and north to south. we offer all kinds of insurance from Auto, commercial auto and sr22s to Home and mobil home owners, all lines including renters insurance, that is a very popular these days. we also offer business insurance and general liabilty. If you have a dui or tickets that is no problem, no one is refused. you can also get discounts for having been insured for six or more months and if you own a home or a mobil home. You can even purchase insurance for your auto and for mexico from our web site www.oasisinsurance.com. or you can just give us a call 480-649-8001. we love to cater to our customers.
Yolanda Corrales
Agent Oasis Insurance
Oasis has offices all over Arizona from east to west and north to south. we offer all kinds of insurance from Auto, commercial auto and sr22s to Home and mobil home owners, all lines including renters insurance, that is a very popular these days. we also offer business insurance and general liabilty. If you have a dui or tickets that is no problem, no one is refused. you can also get discounts for having been insured for six or more months and if you own a home or a mobil home. You can even purchase insurance for your auto and for mexico from our web site www.oasisinsurance.com. or you can just give us a call 480-649-8001. we love to cater to our customers.
Yolanda Corrales
Agent Oasis Insurance
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