The state of Arizona requires auto insurance coverage as any other state when you’re directly operating a vehicle within the state. Arizona requires all of its drivers maintain minimum insurance requirements.

If you got your insurance, your company would usually notify the Arizona Motor Vehicle Division (MVD), but it is still your responsibility to make your insurance valid when you are asked. The state of Arizona is specific. Arizona follows a tort legal system for insurance. In a tort system, someone must always be found at fault after an accident. A person that has insurance is then required to pay for damages incurred by the accident they caused.

All personal vehicles in Arizona require the following liability coverage requirements:

•    Bodily Injury
•    Property Damage

Minimum Arizona Car Insurance Requirements are per bodily Injury Liability ($15,000 / $30,000 Limit) and Property Damage Liability ($10,000 Limit).

These type of insurances covers the paying expenses resulting from an accident where a person does not have enough coverage to pay for the damages that person caused.

Comprehensive coverage pays for any non-collision related incident (after the deductible). Your car being broken into (or) fire damage collision after you have deductible determined. In an insurance policy, the deductible is the amount paid out of pocket by the policyholder before an insurance provider will pay any expenses (Source Wikipedia). Comprehensive insurance can keep you protected. Following list is based on comparative statistic across the United States in (2013) of most-stolen vehicles

Proof on Insurance and Financial Responsibility

There are two types:

• Self Insurance (companies with ten vehicles at least/qualified individuals)
•  Liability car insurance policy

De Insurance is possible on an occasion where you temporarily uninsured their vehicle f your vehicle will not be or cannot be driven on public roads. Required Documentation as proof of insurance, you can provide Insurance ID card, Copy of Insurance Policy or Certificate of self-insurance. Also, it’s your responsibility on occasions when your insurance is asked as proof by a police officer or after an accident.

Police officers can ask you for proof any time you are operating a vehicle!

There are restrictions and financial penalties if you are unable to show the proof at the occasion when needed like:

•    Fines ranging between a few hundred dollars to over a thousand dollars plus additional fees if it’s a first offense and increase for 2nd and 3rd offense
•    Driver’s license and plate suspension of 3 months (1st offense), six months (2nd offense) and one year (3rd offense)
•    The requirement to submit an SR-22 form and pay reinstatement fees for the next three years

Crucial information is also that you don’t speak to Insurance Adjuster until you hire an Arizona Lawyer!