Arizona Auto Insurance
Basic Information on Arizona Auto Insurance
Every state within the US has different auto insurance laws, and Arizona is no exception. Understanding what Arizona car insurance companies offers is not only beneficial to you but also your wallet. Gaining a better awareness of the types of discounts and savings out there can save you hundreds on your premium rate. To get started, we’ve provided a list of most frequent asked questions on Arizona’s auto insurance laws.
What is Arizona’s mandatory insurance law?
The law states that every vehicle driven in Arizona must be insured by one of the statutory forms of Financial Responsibility, in this case known as Liability insurance, provided by a car insurance company.
The minimum liability insurance requirements are:
- $15,000 bodily injury liability for 1 person in a single accident
- $30,000 bodily injury liability for 2 or more people in a single accident
- $10,000 property damage liability
What are the penalties if caught without auto insurance?
If you are not carrying any auto insurance or proof of insurance, there are pricey consequences to that decision. If you cannot provide proof when asked by law enforcement, you can expect to pay expensive fines and fees to regain back your driving privileges.
Insurance companies will notify MVD of any or all policy cancellations, non-renewals, and new policies. Failure to maintain proper auto insurance could also lead to suspension of your registration and/or driver’s license.
I will be leaving Arizona on a temporary leave, what can I do about my existing insurance?
There is an option available in Arizona called De-Insurance. It is a method of temporarily not maintaining the required minimum liability insurance on your vehicle until it is driven. To de-insure your vehicle, you need to complete an online form called the De-Insure Certificate. Once submitted, it will take 2 business days for it become active.
I received a notice stating that my plates and registration were suspended, why?
Ways your plates and registration may have been suspended:
1. MVD has not received your proof of your Arizona auto insurance
2. There was a lapse in the insurance coverage
3. There was an accident case opened under your name
4. A newly registered vehicle may not have been in the system when the insurance was received
5. There was a VIN (vehicle identification number) error, either it was entered into the system incorrectly or was given incorrectly by the insurance company
How come my insurance isn’t on file? I provided it at the time I registered my car.
State law requires that both the auto insurance provider and the owner of the vehicle submit proof of Arizona insurance within 30 days after the initial registration. Insurance companies are also required to routinely notify the MVD of all policy cancellations, renewals, and new issuance.
What happens if I was in an accident, and the other driver didn’t have any insurance?
If an accident occurred and proof of insurance was not available or was not valid, you may submit an Insurance Information Request, form # 40-5901 along with a copy of the police report and a $3 fee. We will then release any insurance information on record for the date of the accident. If no information is available, you will be so advised. In that event, it may be in your best interest to file a civil suit with the Clerk of the Superior Court and obtain a judgment. You can then file the judgment with us, and we will suspend the individual’s driving privileges until the judgment is satisfied with the court.
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