Arizona requires all drivers to show financial responsibility in the form of insurance to operate a motor vehicle. Insurance coverage must be provided at all traffic stops and at the scene of accidents in order to avoid penalization. If a driver is found to be without insurance in any instance, he or she will instantaneously be revoked of driving privileges. Reinstatement fees will be required to bring the driver’s license or vehicle registration current.

Liability Conditions
Liability coverage is the minimum insurance plan that residents of Arizona must have to drive legally. Liability coverage in Arizona is $15,000 per person for bodily injury, $30,000 per accident for bodily injury and $10,000 per accident for property damage. These numbers are policy minimums but motorist may want to consider raising the sum so that they align with medical treatment and property damage repair in the area.

Bodily Injury Coverage Requirements
Bodily injury coverage within liability policies is intended to cover the costs of bodily injury, loss of wages and suffering sustained by the other driver. With a $15,000/$30,000 liability policy, each injured individual can receive no more than $15,000 for expenses. If more than one person is injured, the group will be provided with $30,000 without exceeding $15,000 per person.

Additional Bodily Injury Coverage
Drivers may choose to specify a single, larger amount for bodily injury coverage. The selected amount over $30,000 will provide a higher level of security for the negligent driver. Selecting and increased sum will pay out monies to the injured party up to the specified amount. Choosing a higher bodily injury policy will not limit the amount of parties who can recover funds but each individual will not exceed the specified coverage.

Property Damage Coverage Requirements
Property damage coverage for liability policies in Arizona is $10,000. This plan is used for the repair of the vehicle or property damaged by the negligent driver. This $10,000 policy does not cover the faulty driver’s maintenance repairs and a limitless number of parties can recover all or a portion of the money.

Collision and Comprehensive Coverage
An increase in property damage coverage usually comes in the form of collision or comprehensive coverage. Collision coverage is intended to pay for repairs for the policy holder’s car. The comprehensive coverage protects motorists from damage that occurs to a vehicle from elements other than a collision including fire, hail, theft and more. Although these policies have deductibles, they minimize financial responsibilities to other parties and further protect any assets that may be at stake.

Uninsured/Underinsured Motorist Coverage
Uninsured/underinsured motorist coverage is not required in Arizona but should be considered. The minimum limits for liability insurance in Arizona are so low that even a liability insured motorist may not have enough coverage to help combat the financial needs following a collision. Drivers who opt for uninsured motorist coverage and fall victim to an accident with an uninsured motorist, will find that the insurance company will try to recover payments or assets to help regain costs. If the negligent driver is unable to produce the financial means, then the uninsured motorist coverage policy takes effect.

Termination of Insurance
Auto insurance in Arizona can be legally terminated for many reasons. Non-payment of the premium or obtaining insurance through a fraudulent party will be cause for cancelation of the policy. If any person who regularly drives an insured vehicle is found responsible for criminal activities, leaving the scene of an accident, falsifying information on driving certifications or caught driving recklessly on more than one occasion, the insurance plan can be canceled. If the insured vehicle was registered as a private motor vehicle and found to be used frequently for commercial purposes, a termination of the coverage will ensue. Finally, if the insured becomes a liability for the insurer and threatens violations to Arizona law, then the insurance company has permission to discharge the policy.

Obtaining Insurance
When drivers are unable to obtain insurance because of a past policy cancelation or other inability to renew, they can be insured through the Arizona Automobile Insurance Plan. Most insurance companies in the state of Arizona will have this policy available to those who qualify. Although many drivers in Arizona are uninsured, carrying at least the minimum requirements in motor vehicle insurance is the best way to remain protected.