State law requires the insurance company and the landlord to submit proof of insurance in Arizona within 30 days of the initial registration. This free service allows you to update your vehicle insurance information from your AZ MVD Now account and send it to MVD. You can also restore the vehicle registration, if needed. The main reason car insurance is mandatory in almost every state is because of your personal liability (liability) if you cause an accident.
By requiring specific liability insurance for victims of an accident caused by you, they can receive financial assistance for injuries and property damage without seriously affecting their own financial well-being. That's why it's also important to know how much car insurance you need, so as not to jeopardize your personal assets in the event of an accident. Learn more about what to do after a car accident and how an attorney can help you with your car accident claim. All insurance products are governed by the terms of the applicable insurance policy, and all related decisions (such as coverage approval, premiums, fees and charges) and policy obligations are the sole responsibility of the insurance insurer.
This means that the person who was at fault for causing the car accident is also responsible for any resulting damage (from a practical point of view, the at-fault driver's insurance company will absorb these losses, up to the limits of the policy). In addition to fines and license suspension, Arizona residents found guilty of driving without insurance must obtain an SR-22 certificate once their license is reinstated, which will be attached to their auto insurance policy to show that they meet the state's minimum requirements or financial responsibility laws. The Arizona Mandatory Insurance Reporting System manual is available for download by insurance companies. Like most states, Arizona requires that all motor vehicles in circulation be covered by an auto insurance policy that meets certain minimum requirements, should the vehicle be involved in a traffic accident.
Comprehensive car insurance and collision insurance are also common types of car insurance coverage, although no state requires them. To learn more about Arizona car insurance regulations, directly from the state, see the Arizona Department of Transportation's frequently asked questions about mandatory auto insurance and its vehicle insurance information portal. For example, personal injury protection (PIP) or MedPay coverage can be used to pay medical bills for a car accident (this coverage is optional in Arizona), and collision coverage (also optional in Arizona) can pay for repairs (or replacement) of your damaged vehicle after a car accident. If you simply have questions about Arizona's auto insurance rules, we hope we've answered them here.
If your insurance company sends you a notice that your policy is no longer active, MVD will send you an inquiry notice to check the status of the insurance. However, drivers who choose not to purchase auto insurance must show that they have sufficient funds to meet the state's financial responsibility requirements (PDF) in the event that they cause an accident. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation, or exclusion that is expressly stated in any insurance policy.