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
1. 1997 Honda Accord
2. 1997 Honda Civic
3. 2001 Chevrolet Pickup (Full Size)
4. 2004 Ford Pickup (Full Size)
5. 2005 Dodge Pickup (Full Size)
6. 1997 Nissan Altima
7. 1994 Nissan Sentra
8. 1991 Toyota Camry
9. 1996 Jeep Cherokee/Grand Cherokee
10. 1995 Nissan Maxima
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!
Rating factors are based on your driving record that insurance companies review to decide if they will ensure you and determine your premiums. By reviewing your driving record, a car insurance company can see what type of risk you pose.
If you have a clean record, it is less risky and will likely result in a safe driver discount and lower rates. Having a moving violation or accident (DUI, speeding) makes you at a higher risk and means higher rates if the company decides to continue with your insurance.
Remember that certain companies will take higher risk driver as potentially uninsurable.
How often does Insurance company check my record?
For an Insurance company, standard practice is to review your driving record is when you initially apply for auto insurance and before the renewal period. At renewal time, your driver record is checked to see if you have any violations now listed that would cause your rates to rise or for policy to be non-renewed. If you apply for coverage, your driving record is checked to see the risk rate for the insurer and to help determine your premium coverage. If you have violations on your driving record that have fallen off, your rates should go down when your policy renews. There are checkups of your driving record when you change coverages, add a vehicle, add or remove drivers.
Will an accident or violation on my driving record raise my rates?
For accidents, it depends on the nature of the accident as well as fault. Minor accidents can be forgiven under state law or by an insurance company, primarily if you are not found to be at fault. If you are found to be at fault for a major accident, your car insurance rate can increase, or you could even get a cancellation of coverage subject to state law. Violations affect your rates because they show you are more of a risk. If you got a minor speeding ticket and had your driving record clean till then, your rates may not go up, but your safe driver discount could be taken away. If you get more significant offenses, you pose as a risk so expect your rates to increase drastically. States like Arizona keeps track of your moving violation. If you violate bail conditions while being charged for moving violations, points will be assessed to your driving record.
Points stay on your driving record for 12 months.
If you have 8 or more points on your record tour license will be suspended for 12 months, or you will be required to attend traffic survival school.
|Driving Under the Influence||8|
|Extreme Driving Under the Influence||8|
|Leaving the Scene of an Accident (Hit-and-Run)||6|
|Failure to Stop or Yield, Resulting in a Fatal Crash||6|
|Failure to Stop or Yield, Resulting in a Serious Injury||4|
|Driving or Parking in the Gore Area||3|
|All Other Moving Violations||2|
Liability Car Insurance Arizona
The state of Arizona has a unique condition regarding the legal requirements. The driver must have financial responsibility for damages that may occur during the accident. One of two forms needed is proof of liability insurance or Certificate of deposit of $40,000 assigned to the Office of the Arizona State Treasurer. This proof is required as you became the citizen of Arizona.
Arizona residency is determined by the following:
- Working in the state of Arizona
- Being in Arizona for at least 7 months in one calendar year
- Registering to vote in Arizona
- Owning a business in Arizona with in-state vehicle
- Paying in-state tuition for yourself or your children
Optional types of coverage can save you money, in addition to liability insurance. Arizona car insurance to provide this offer!
Proof of Financial Responsibility
In the state of Arizona, you must prove your financial responsibility, meaning you must have money covering the possibility of an accident. If you are caught driving without proof of car insurance, you can get a minimum $500 fine and license/registration suspension for three months. Subsequent violations may result in I higher penalties.
You must carry liability insurance to prove your financial responsibility through auto insurance.
Liability insurance helps you pay for damage to others (Property and injuries )in an accident for which you are found at fault.
Liability Coverage in Arizona:
o $15,000 per person.
o $30,000 total per accident.
- Property damage coverage:
o $10,000 per accident.
If you determine that you need great auto insurance, you can increase your limits and add optional coverage.
Self-Funded Insurance option
You can assign deposit (CD) account to the Office of the Arizona State Treasurer, opt out your insurance by keeping $40,000 in a certificate of that deposit you can get more information by contacting the Arizona State Treasurer’s office at (602) 542-7800.
Optional Car Insurance in Arizona
Insurance agents can offer you a variety of optional insurance coverage types that provide further protection:
Common types include:
- Fee for Damages to your vehicle that you cause-collision coverage
- Fee for Damages to your car caused by external factors like theft, whether or wildlife- comprehensive coverage
- Fee for Damages or injury caused by drivers without auto insurance, or whose insurance limits do not cover your costs – Uninsured & underinsured motorist coverage.
- Additional coverage to pay medical expenses- Medical payments coverage
- Additional fee if you need to rent a car after an accident- Rental reimbursement coverage
- Pays for repairs and replacements to your windshield and other glass- Full glass coverage
- Collision Coverage and comprehensive coverage may be required if you are leasing or financing your car!
Arizona proof of Insurance:
- Your car is registered in Arizona.
- A police officer stops you.
- You are involved in a car accident.
Accepted forms of proof of insurance:
- Auto insurance policy copy
- An image of your insurance card on a mobile device
- An insurance card from your Arizona car insurance company.