Arizona drivers must have proof of financial responsibility when operating a motor vehicle on Arizona highways. Most of us demonstrate our financial responsibility by purchasing an auto insurance policy. Remember that once the policy limits are exhausted, you are personally in financial distress, so higher insurance limits can help protect your personal assets in the event of a serious accident.
Of course, these penalties are likely to pale in comparison to the financial impact you could suffer if you were in a car accident and didn't have car insurance.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.
And if you're ready to contact a legal professional now, you can use the features on this page to get in touch with an Arizona car accident lawyer in your area. This free service allows you to update your vehicle insurance information from your AZ MVD Now account and send it to MVD. It is important to notify MVD when this occurs to avoid suspension for not maintaining adequate insurance. If you simply have questions about Arizona's auto insurance rules, we hope we've answered them here.
You can (and in some situations should) have more coverage to protect you if a serious crash causes injuries or significant damage to the vehicle from a car accident. You'll need different (additional) coverage for that if you're involved in a car accident and no other person's coverage applies to your losses. 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. Your liability coverage will take effect if a family member drives your vehicle or if you have given someone else permission to use it.
However, if you've been involved in a car accident in Arizona, you may need information that fits your situation, including an overview of your options. This basic coverage pays for medical bills, property damage bills, and other costs for drivers, passengers, and pedestrians who are injured or damaged to their vehicle in a car accident that you cause, up to coverage limits. Learn more about what to do after a car accident and how an attorney can help you with your car accident claim. 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).
Temporarily suspending the insurance required for a vehicle until it is ready to hit the road again is called uninsuring a vehicle.