According to the most recent statistics provided by the Insurance Information Institute (2012), 11% of driver’s are uninsured in Arizona. That means that just over 1 in 10 drivers don’t have insurance, at all. Nationally that number is closer to about 12%. There are a lot of uninsured motorists! There are probably many more that are under-insured, but until there is an accident, we don’t actually know if a driver had enough insurance. So, long ago insurance companies invented this thing called uninsured and under-insured motorist (UM/UIM) coverage.

Essentially, this coverage is provided by YOUR insurance company to act as if the OTHER GUY had insurance (uninsured) or enough insurance (under-insured) to cover the damage they caused. State laws vary about how this is treated, so we are going to focus on Arizona for a second. In Arizona UM/UIM coverage does not protect your vehicle for the physical damage, if you want that you need Comprehensive and Collision coverage. However, UM/UIM does provide coverage are for your medical bills, loss of earnings, pain, suffering, and other personal injury damages. It also can provide the same coverage if you are a victim of a hit-and-run situation.  UM/UIM is EXTREMELY IMPORTANT; here are 4 reasons why.

  1. It’s a law that it’s offered – In Arizona, UM/UIM, must be offered to clients, and clients must accept or reject this coverage in writing. It is mandatory to purchase liability if you will be driving on public roads, but it is mandatory that UM/UIM must be offered. I believe reasons 2, 3 and 4 explain why.
  2. State minimum limits are too low – Arizona’s state minimum limits are 15/30/10. Meaning that if you get in an accident and the other guy has “just what the state requires” you have a total of $15,000 to cover your medical bills. On a side note, I think that’s about the cost to get a hang nail treated these days, so imagine if you got really hurt.
  3. This coverage is for catastrophic events – There are two types of injuries, those that you take an anti-inflammatory for, and all others. When UM/UIM coverage is triggered its usually because someone was seriously injured in a car accident. Meaning the insurance companies aren’t usually paying out $20 UM/UIM claims.
  4. My Experience – Let me take this personal for a second. My wife has a leg worth 1 million dollars from a boating accident. I know, completely unrelated, or is it? Stick with me for a second. My wife was injured wake boarding. She fell in a very routine manner. In fact, when we came around we asked her if she wanted to go again. She very calmly said she was “broken” and as we looked into the water we understood what she meant. She had dislocated her knee tearing all the ligaments, but one, and was bleeding. She was rushed to the ER, helicoptered to a trauma center, and underwent surgery that night. Long story short she almost lost her leg. She was able to keep it after 8 surgeries. At the time, we had 5 kids. While my wife was in surgery I was left in a waiting room. Understanding the gravity of the situation, I wondered how I would be able to work. How I would keep my Job. How I would be Dad and Mom through recovery and rehab. Our family lives in a rural area. I imagined all the follow up appointments, missed days at work, cost to drive back and forth to the doctors. Now, let’s pretend it was a car accident. Imagine getting a check for $15,000. Yeah, you may have other insurance for that, but health insurance doesn’t cover all the personal injury you know other stuff, but UM/UIM does. Remember UM/UIM covers medical bills, other out-of-pocket expenses, and pain and suffering. That’s HUGE.


For more information on uninsured or underinsured motorist coverage, contact us!


Coverage Checklist for Manufactured Home Insurance

We will work off of a Coverage Checklist for Manufactured Home Insurance when reviewing coverage with you. It will help us figure out what’s most important to you and helps you understand how you are covered. Below is a copy of the checklist we use for Manufactured Home Insurance. Even if you don’t buy from us please use this checklist to make sure you have the coverage you want and need.

How Much would it cost to replace your manufactured/mobile home?_______
Loss Settlement –  How much will you actually get if there is a loss?_______
Deductible – How much of a loss are you responsible for paying?_______
Water Backup of Sewer or Drains Coverage – Yuck… buy this._______
Earthquake  – Not automatically included._______
Flood – requires a separate policy_______
Ordinance and Law – does your city have any weird requirements for remodels or rebuilds?_______
Other Structures
How much would it cost to replace your Garages, sheds, Fences, and other structures?_______
Personal Property
Personal Property – How much is all your stuff worth?_______
Loss Settlement – How much will you actually get paid if there is a loss?_______
How is your property protected (hint its probably not for everything you think)?_______
Do you have anything really valuable or a collection of valuables items (think guns or electronics, etc)?_______
Loss of Use/Additional Living Expense – What happens if you can’t stay in your house after a loss?_______
Liability – You can get sued and this coverage is pretty cheap._______
Can you get Personal Injury Coverage?_______
Medical Payments_______
Umbrella – Lawsuits can get nasty, do you have enough coverage?_______
Loss Assessment, do you live in a park or an HOA? They can actually assess you when stuff happens to them._______

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Who Offers Manufactured Home Insurance?

Manufactured Home Insurance Safford, AZIf you have done any research at all you may be wondering, who offers manufactured home insurance? There are basically 6 companies that offer manufactured home insurance, but only 5 that understand the ins and outs of manufactured homes and offer specialty coverage for Manufactured home. Unfortunately many customer are left wondering who these companies are as they don’t spend millions on Super Bowl ads.

Here’s the breakdown:

Foremost – These guys have been doing manufactured home insurance for a long time. In fact, they claim to be the first to have an insurance policy for manufactured home. Foremost is based out of Michigan. They have been in the business for a long time and know the ins and outs. They are a part of the Farmers family of companies.

American Modern Insurance Group – These guys have been around for a long time and Manufactured Home Insurance is their bread and butter. They are based in Cincinnati Ohio, have excellent rates in most states, and address the major coverage issues that manufactured homeowners face. They are apart of a huge multinational corporation called Munich Re.

Aegis – Aegis is a relative new comer to this space formed in 1977. They are based out of Pennsylvania. They are financial strong and have a specialty policy. They have recently made some changes to make their products more competitive and have policies very similar to the other specialty companies.

American Reliable – American reliable has been around since 1952. Based in Scottsdale Arizona, they specialize in manufactured homes and specialty dwellings (rental properties). They have some very unique offerings with their manufactured home policies. In addition to the standard specialty stuff they also offer coverage like service line, and other things that are more like what you might see offered on a standard homeowner’s policy. American Reliable is a member of a bigger company called Global Indemnity.

Assurant – This is the company that Progressive and GEICO use in many states for manufactured home insurance. They do offer some coverage designed for manufactured homeowners, so like any of these companies be sure select it, otherwise your coverage can be lacking. Assurant is a large publicly-traded company.

Others – Yes there are others. In some cases, and states companies like State Farm, Farmers, Allstate, Metlife, Safeco and other MIGHT offer manufactured homes. Usually there are lots of limitations. For example, the home may need to be brand new to qualify. In other cases the companies don’t allow homes that have additions, or sun rooms. In the other cases they require specific type of foundations. In some cases, these limitations limit coverage, and while in some cases the coverage MIGHT be better for the most part you will be better off purchasing coverage from one of the 5 specialty carriers.

The good news

Gila Insurance Group, as a broker actually represents 5 of the 6 manufactured home markets available. For example, we work with Foremost, American Modern, Aegis, American reliable, and in some rare cases can help you get coverage through a Safeco or another standard homeowner’s insurance. So, there is no need to run all over the place getting quotes, you can actually get coverage from 1 place, Gila Insurance Group LLC. Start Your Quote Online Now!