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
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