Law enforcement officers will ask you for proof of insurance at the time of traffic stops or accidents. Insurance companies notify MVD of all cancellations, non-renewals and new policies. If your insurance company sends MVD a notice that your policy is no longer active, we will send you a notice of inquiry to check the status of the insurance. Uninsurance is a method of temporarily interrupting the insurance required for the vehicle until it is ready to be driven or put back into service.
An uninsured vehicle will not be suspended for lack of insurance unless it is being driven on Arizona roads. You can uninsure your vehicle online at AZMVDNow, gov. Once the restore is complete, obtain proof of insurance, complete a certificate of non-use, and apply for registration. State law requires the insurance company and the landlord to submit proof of insurance in Arizona within 30 days of initial registration.
Insurance companies are also required to routinely notify MVD of all policy cancellations, renewals and new issues. Payment can be made by cash, cashier's check or money order. Cash or credit cards are not accepted by mail. Yes, you won't be able to get a driver's license in another state until your suspension is approved in Arizona.
It can also prevent you from getting vehicle insurance in that state. You can face multiple penalties if you are caught driving without at least the minimum car insurance required in Arizona, including fines and the suspension of your license and registration. In addition to the legal consequences of driving without insurance, you could easily be responsible for tens of thousands of dollars or more in damage to your vehicle, the other driver's repair and hospital bills, and your own medical care. Arizona insurance companies are legally required to offer you the option of purchasing uninsured motorist (UM) and underinsured motorist (UIM) coverage with your auto insurance policy.
In Arizona, full coverage refers to a policy that includes collision and comprehensive coverage, in addition to coverage limits higher than those required by state law. These types of optional coverage cover the repair of your car no matter who was driving, but it's a claim included in your policy. There are no restrictions on the right to sue after an accident in at-fault states, even if the insured contracts personal injury protection (PIP). The consequences of driving without insurance are ultimately more costly than buying minimal car insurance coverage.
If you let someone lend you your car and that person causes an accident in Arizona, bodily injury liability insurance pays for the injuries of the other driver and their passengers. Any coverage that goes beyond what Arizona law requires is optional, but it's generally worth getting extra protection. There may be cases where you don't need full coverage insurance, but drivers in Arizona should buy all the coverage they can afford, as a general rule. If you have an accident while driving without insurance in Arizona, you will be cited and all penalties for driving without insurance will apply, no matter who is at fault.
It's always a risk to lend your car to someone else, because you could definitely end up filing a claim with your own insurance in Arizona. You won't need to use your PIP or MedPay coverage if someone caused an accident while driving your car because PIP and MedPay follow the driver.