What is
Auto Insurance
At Danilovic Agency, we believe auto insurance should be more than just a legal requirement — it should give you peace of mind every time you get behind the wheel. That’s why we make the process simple, affordable, and completely personalized to fit your lifestyle. Whether you’re driving through busy Scottsdale streets during your daily commute or taking a road trip across Arizona, our policies are designed to protect you, your passengers, and your vehicle from life’s unexpected moments.
What Does Auto Insurance Cover?
An auto insurance policy can do far more than just meet state requirements. The right coverage can shield you from significant financial loss, repair costs, and even medical expenses. With a Danilovic Agency policy, you may be protected against:
- Collisions & accidents – Covers repair or replacement costs when your car is damaged in a crash, no matter who’s at fault.
- Comprehensive events – Extends protection to non-collision incidents such as theft, fire, vandalism, hail, floods, falling objects, or animal-related accidents.
- Liability protection – Pays for injuries or property damage to others if you cause an accident, including medical expenses and legal fees.
- Medical expenses – Helps with hospital bills, rehabilitation, and additional care for you and your passengers.
- Uninsured/underinsured motorists – Ensures you’re protected if the other driver lacks adequate insurance to cover damages.
- Rental reimbursement – Provides a rental car while your vehicle is being repaired after a covered loss.
- Emergency roadside assistance – 24/7 support for flat tires, dead batteries, towing, and lockouts, so you’re never stranded.
- Pet protection – Even veterinary costs for pets traveling with you, because we know family comes in all forms.
Common Coverage Options
Collision Coverage:
Accidents happen every day, but you shouldn’t have to face expensive repair bills alone. Collision coverage helps pay for damage to your car when it collides with another vehicle or object, regardless of who is at fault. This includes repairs or a full replacement, up to your vehicle’s actual cash value.
Comprehensive Coverage:
Life doesn’t just throw accidents your way — sometimes it’s weather, theft, or other unexpected events. Comprehensive coverage protects your vehicle against non-collision risks like vandalism, natural disasters, falling objects, or hitting an animal. With this protection, you can drive knowing your car is covered even when it’s parked.
Liability Coverage:
If you’re found at fault in an accident, liability coverage helps protect your financial future. It pays for medical expenses, property damage, and legal costs incurred by others, ensuring that one accident doesn’t put your savings at risk.
Medical Expense Coverage & PIP:
Auto accidents can cause more than vehicle damage. Medical Expense Coverage and Personal Injury Protection (PIP) go further by helping cover hospital bills, rehabilitation, lost income, and additional expenses for you and your passengers — no matter who caused the accident.
Smart Add-Ons for Extra Protection
Sometimes the minimum isn’t enough. We offer additional coverage options so you’re never caught off guard:
- Gap Coverage – If your car is totaled and you owe more than its actual value, gap insurance helps pay the difference.
- Accidental Death & Dismemberment – Provides financial support to your family in the event of a serious or fatal car accident.
- Uninsured/Underinsured Motorist Coverage – Covers you when the other driver doesn’t have sufficient insurance.
- Rental Car Reimbursement – Keeps you moving while your car is being repaired after a covered claim.
- 24/7 Roadside Assistance – Round-the-clock help for breakdowns, flat tires, or emergency situations.
Do You Have Enough Coverage?
Arizona requires every driver to carry a minimum level of auto insurance, but in many cases those limits aren’t enough to fully protect you. Medical bills, lawsuits, or repair costs can quickly exceed the state minimums, leaving you personally responsible for the difference.
At Danilovic Agency, we go beyond the basics — helping you meet state requirements while also customizing a policy that truly fits your needs and budget.