Does your auto insurance properly protect you?

The State of Arizona requires people who operate motor vehicles to have insurance. Across the nation, mandatory car insurance laws protect people who suffer a loss. Many drivers simply take out enough coverage to be able to drive, and minimum coverage may not fully protect you. That’s why at the Schaller & Thomas Family Insurance, our professionals are committed working with people of Phoenix, AZ to select a policy that properly protects you.

Minimum Cover is Just That

Arizona is a fault insurance state, which means that the negligent person pays for any loss in an accident. The minimum liability coverage is $15,000 per person for bodily injury and $30,000 total per accident. Consider for a moment the incredibly high costs of medical costs. If someone had to spend just a few days in the hospital for a head or neck injury, that modest amount of coverage could easily be exceeded.

If they needed surgery for an injury and follow-up rehabilitation, you could be staring at $100,000 or more in medical costs. Once your minimum coverage is exceeded, the additional costs would come out of your pocket. And if you lack the resources to pay, you could face a civil lawsuit.

Regarding property damage, Arizona only requires $10,000. Realistically, that would not cover the replacement of a new car. Again, you would become personally responsible once the insurance was exhausted.

Are You Properly Protected?

Regarding minimum coverage, the simple answer is: No. Minimum insurance does not necessarily cover damage to your vehicle or losses you might sustain. The state’s mandate protects others. Unless you take out additional insurance, you are financially on your own.

It’s important not to fall into the minimum insurance trap. Things like collision, comprehensive coverage, uninsured motorist, medical coverage and other things should be considered when creating a policy. At Schaller & Thomas Family Insurance, we take pride in helping the people of Phoenix, AZ to put a policy in place that provides you with security. Our goal is to help you to protect yourself.

How Often Should You Tend to Your Landscaping?

When it comes to keeping your home looking its best, you need to take care of both the interior and exterior. And while sweeping the sidewalk and pressure washing the vinyl are great ways to keep the outside of your home looking great, you also need to make sure you tend to the landscaping on a regular basis. Regardless of whether or not you are wanting to sell your home, keeping the landscaping looking its best is an excellent way to improve its curb appeal. Here’s a quick look at three tips for tending to your landscape.

1) Tend to it at least once a week

Ideally, you will want to tend to your landscaping a bit each and every day; this helps to ensure you don’t have to put in a whole day’s work tending to it each week. But if you can’t tend to it a few minutes each day, you can set aside each week to devote toward trimming the bushes, mowing the grass, and pulling weeds. 

2) Use a tarp

One of the easiest ways to remove loose grass, mulch, and leaves is by piling it onto a tarp and then carrying it to wherever you want. You can even put it on a tarp and load it into the back of a truck to haul it off. 

3) Invest in high-quality landscaping equipment

It doesn’t matter how often you tend to your landscaping; you will want to use high-quality equipment and tools. Not only will these tools save you money in the long run because you won’t have to replace them as often, but they will also help you better achieve the landscaping appeal you are going for. 

To learn about properly insuring your home, contact Schaller & Thomas Family Insurance serving the Phoenix, AZ area.