Arizona
Auto Insurance Minimum Coverage Requirements - What You Need to Know When
Buying Your Policy
If you have a vehicle and want to drive on
Arizona roads, then you must obtain at least the minimum Arizona auto insurance
coverage. The state of Arizona does not require collision or comprehensive auto
insurance, but it does require a minimum liability auto insurance policy for
all motorists.
Arizona Minimum Liability Auto Insurance
Requirements
Each state has its own guidelines and
regulations for minimum car insurance coverage. Liability coverage is simply
insurance that covers others that are harmed by an accident, but it does not cover
bodily injury or property damage done to yourself if you are at fault. The
minimum coverage required for any vehicle that is to be driven on Arizona roads
is 15/30/10 liability coverage, which means the following coverage:
$15,000 for the bodily injury or death of one
person in an accident that is determined to be your fault.
$30,000 for the bodily injury or death of two
persons in an accident in which you are determined to be at fault. There is
also a $15,000 maximum per person at this level of coverage.
$10,000 property damage due to an accident in
which it is determined that you are at fault.
Arizona auto insurance minimum coverage
requirements do not dictate that you have to have auto insurance on vehicles
that are garaged. If you have a vehicle that you are not using for whatever
reason, you can de-insure that vehicle temporarily. An Arizona De-Insured
Certificate must be filled out and submitted. You cannot drive the vehicle
again until you reinstate Arizona car insurance on the vehicle.
Arizona Auto Insurance for Uninsured Motorists
Uninsured motorist coverage is auto insurance
that you purchase to cover yourself in case you are involved in an accident
with someone who does not have auto insurance. Many states do require you to
obtain uninsured motorists auto insurance but it is not a part of Arizona auto
insurance minimum coverage requirements. However, all Arizona auto insurance
companies are required to offer this insurance to you, but you need not accept.
Penalties for not Obtaining Arizona Auto
Insurance Minimum Requirements
As stated before, it is required by law to
obtain minimum car insurance coverage in the state of Arizona. It is also
required that you demonstrate proof of insurance at specific times. If a law
enforcement officer asks for your proof of insurance at the scene of an
accident or any other time, you must show proof of insurance. You also must
show proof that you meet the Arizona auto insurance minimum requirements when
registering a vehicle at the DMV.
If you do not show proof of insurance when
requested, there are legal penalties. In the state of Arizona, you can be hit
with a $500 fine and suspension of your license, vehicle registration and
license plates for three months. This is the penalty for a first offense, and
the penalties for second and third offenses are more severe.
