What Does Minimum Auto Insurance Coverage Mean?
Reader’s Question:
Hi everyone! I’m having a hard time understanding the auto insurance quote that an agent gave me. He says it’s the minimum auto insurance requirement in Arizona. Can someone explain in simple terms what this actually covers?
Faith
Glendale, AZ
Hello there, Faith! I’d be glad to help you out.
For starters, the minimum auto insurance coverage required in Arizona are as follows: $15,000 per person of bodily injury liability insurance with a maximum of $30,000 per accident and a $10,000 property damage liability insurance. If you are found to be the person at fault in an accident, the bodily injury liability insurance will pay for the costs of medical expenses, lost wages and pain and suffering of the injured party. It will also provide legal defense if ever you get into a lawsuit resulting from the accident. On the other hand, the property damage liability insurance will cover the expenses for damage to another person’s properties, as well as any legal costs associated with the accident.
Aside from the minimum insurance required, I would also suggest that you look into getting some add-on auto insurance coverage for collisions and a comprehensive auto insurance, as well, to cover for any other thing that could result to the damage or loss of your vehicle.
Why don’t you give your agent in Arizona a call? I’m sure your auto insurance agent will be able to enlighten you on your auto insurance companies’ policies and processes, and this will aid you in making an informed decision before you actually pay for your auto insurance.
Do I Need Car Insurance Before Getting AZ Driver License?
Reader’s Question:
Do I need a car insurance first before I can get a license? I live in Glendale, Arizona.
Miranda
Glendale, AZ
According to the Arizona Motor Vehicle Division, to apply for a driver’s license if you are currently licensed in another state, you should bring in your out-of-state driver license and one other form of identification, take the vision test, and pay the appropriate fee. There is no written test required.
The Arizona MVD does not say that proof of auto insurance is required to get a driver’s license. Normally, if you are taking a road test as part of your licensing process though you will need to show proof of insurance for the car before the driving on the roadways with the tester.
I is required in Arizona that every motor vehicle operated on roadways be covered by one of the statutory forms of financial responsibility, more commonly called liability insurance, through a insurer that is authorized to do business in Arizona.
Minimum Coverage For Uninsured Motorist In Arizona?
Reader’s Question:
What is the coverage of the uninsured motorist insurance? I live in Arizona.
Freeman
Thank you for asking.
The Arizona Department of Insurance states that Uninsured Motorist coverage protects you or passengers in your vehicle for bodily injury you or your passengers sustain in an accident involving a driver who has no liability coverage.
This may also protects you or passengers in your vehicle for bodily injury you or your passengers sustain in an accident involving a driver who has insufficient insurance to cover your injuries or your passengers.
Uninsured motorist coverage (or UM) provides coverage for your medical bills, loss of earnings and pain and suffering if you suffer injuries as a result of a negligent drivers who does not have liability insurance, including a hit-and-run motorist. Underinsured motorist coverage (or UIM) provides coverage situation that your damages exceed the other driver’s liability coverage.
Goodluck!
MariCAR
Will Liability Car Insurance Cover Uninsured Motorist Damage
Reader’s Question:
I was hit by uninsured driver and I have a liability coverage on my car and uninsured motorist coverage. Will this cover the damage to my car?
George
Thank you for asking George.
In Arizona, uninsured motorist is for bodily damages. Typically an uninsured motorist (UMBI) in Arizona policy will typically pay for medical expenses, lost wages, and pain and suffering caused by an uninsured motorist, hit and run driver or a miss and run driver.
In addition to that, uninsured motorist will pay for these coverages to you, and/or your family members who live with you and passengers in your car. The damages to your vehicle or other property will not be covered by this . You would need collision coverage on your car to get your property damage covered by your insurance provider.
Uninsured motorist property damage is not available in all states with including the state of Arizona. Only UM bodily injury is available so this must be the type of coverage that you have.
Goodluck!
MariCAR
Is It Illegal to Drive in Arizona Without Auto Insurance?
Reader’s Question:
Is it illegal to drive without insurance in AZ?
Zoe
Thank you for asking Zoe.
Almost all state requires you to have car liability insurance. All states also have financial responsibility laws. This means that even in a state that does not require liability insurance, you will still need to have sufficient assets to pay claims if you get involved in an accident and caused damage to others in an accident. If you don’t have enough assets, you must get at least the state minimum amount of insurance.
The required coverages in Arizona are Bodily Injury and Property Damage. The minimum required limits are $15,000 per person and $30,000 per accident for Bodily Injury and $10,000 per accident for Property Damage. This requirement does not apply to motorcycles.
Goodluck!
MariCAR
What Is the Minimum Liability Auto Insurance In Arizona?
Reader’s Question:
What is the minimum liability insurance required in the state of Arizona?
Jay
Thank you for asking Jay
Arizona requires that every motor vehicle operated on the public roadways to be covered by one of the statutory forms of financial responsibility, more commonly called liability insurance. You should get this from a carrier that is authorized to do business in Arizona. This includes golf carts, motorcycles and mopeds.
As of August 2006, minimum levels of financial responsibility are:
* $15,000 bodily injury liability for one person and $30,000 for two or more persons
* $10,000 property damage liability
Goodluck!
MariCAR
Can I Insure Out Of State Vehicle In Arizona?
Reader’s Question:
My vehicle is licensed in the state of California but my sister is using it in the state of AZ. Can I get insurance in AZ and list my sister as an authorized driver?
Duke.
Thank you for asking Duke.
Typically you will need to insure the vehicle in the state in which it is registered and has its license plates in. If you are living in California and your sister drives it and garaged in Arizona it would not be easy to get AZ insurance on it if it still registered in California. Most insurance carriers will not want to insure vehicles from more than one household, meaning the owner living in one place and the car residing at a different place.
There is a difference in required car insurance between the two states as well. California’s mandatory liability insurance is 15/30/5 while Arizona requires 15/30/10.
It seems that in your case, to get the car properly insured in Arizona it would need to be registered in AZ. To get more information on how to do so you can contact the AZ DOT.
Goodluck!
MariCAR
Changing Insurance and Vehicle Registration Made Easy
Reader’s Question:
I live in MI and planning to go to AZ to stay there and go back to Michigan. How long do I have to change insurance and registration?
Albert
Thank you for asking Albert.
It will depend on how long you plan to stay in Arizona and what you plan on doing your time there if you will need to register your vehicle and get an AZ driver’s license. Arizona residency laws states that you will need to immediately get a state driver’s license and registration if you plan to work in the state, place children in school there, plans to have a business in AZ or remain in Arizona for 7 months or more during any calendar year, regardless of where you might have permanent residence.
All motor vehicle operated on Arizona public roadways must be covered under one of the statutory forms of financial responsibility, commonly known as liability insurance, through a provider that is authorized to do business in Arizona.
Goodluck!
MariCAR
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