Car insurance is a vital and mandatory aspect of owning or driving a vehicle in the state of Arizona. If you are in a car, truck or motorcycle accident, liability insurance (yours versus the at-fault driver’s insurance policy) will cover things like property damages, bodily injury or death.
In Arizona, it is a requirement that every motor vehicle (i.e., car, truck, golf cart, motorcycle, moped, etc.) on the road is covered by liability insurance through an insurance company that is authorized to conduct business in the state. It is also mandatory that each driver’s insurance policy checks all the minimum requirements set by Arizona.
Car insurance is there to protect you and other drivers on the road by covering the costly consequences that follow a car accident. This is why it is so important to understand your insurance policy, the coverage available and who is financially responsible for the damages in the event of a crash.
The mandatory liability insurance law provides basic coverage for Arizona drivers after they have been in a car accident. Thanks to this law, all insured drivers in the state have the minimum coverage they need for medical bills, lost wages, property damages and more.
While it is not a requirement, you can request additional coverage from your insurance company, but it will likely cost you more money annually to pay for those premiums. Depending on factors like how much you drive, where you drive and your typical driving conditions, it may be a good idea to increase your coverage amounts. Once your maximum insurance limit is reached, it’s up to you to cover the remainder out of your own pocket. It's for this reason that higher insurance limits can benefit you by protecting your personal assets in the event of a serious car accident.
If you own or operate a motor vehicle of any kind in the state of Arizona, that vehicle must meet the following insurance coverage requirements:
If you have been in a car accident that wasn’t your fault, a number of insurance premiums may benefit you if you decide to add them to your policy. The following benefits are optional and are not a requirement of Arizona’s mandatory liability insurance law. Speak with a member of your insurance company to find out what premiums are available to you.
One of the most common misconceptions about getting into an accident is the increase in your insurance rate. If you get into an accident in Arizona that was not your fault, your insurance company is not legally permitted to raise your insurance rate.
However, insurance companies are notorious for raising insurance rates for factors that might include:
Are you worried about your insurance rate going up after getting into a car accident? Hiring a car accident lawyer can help prove the other driver’s negligence and keep your insurance rate low.
Arizona’s roadways are often a very dangerous place, especially when you consider the number of drivers who are uninsured. Don’t allow the at-fault driver’s insurance company to belittle your damages or try to place the blame on you.
Connect with one of our highly trained and experienced car accident attorneys listed on PHX Elite Lawyers and get the legal representation you deserve.
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