Automobile Insurance is not only necessary, statutorily, from a liability standpoint but in most cases you would want to know you are protected if your car sustains physical damage. Automobile insurance usually also covers Medical Payments to others and to yourself, and is included in most policies. Laws vary in most states, but in Arizona you must have liability insurance. You also have the option to carry Uninsured Motorist and Underinsured Motorist to protect you if you are involved in an accident caused by an uninsured or underinsured motorist. Liability insurance applies if you hurt or injure others and/or their property. Physical damage insurance applies if you damage your own vehicle (collision) or it is damaged from an outside source such as hail, wind, flood etc. (comprehensive). We have the professionals in our office who specialize in these coverages ready to help and instruct you.