Arizona Automobile Insurance

If you are planning to drive on Arizona highways, you will need to have at least the minimum insurance coverage that the state of Arizona requires. Arizona does not require that you have comprehensive or collision car insurance however the state does require that if you are a driver you will need the minimum liability auto insurance.

The requirements for minimum liability auto insurance in Arizona are just for the state of Arizona. Every state will have its own rules and regulations for minimum coverage on your car. Liability coverage covers people that are hurt by an accident but not bodily injury or damage done to a property if you are the one who is at fault.

The states minimum coverage for all vehicles driven in Arizona is fifteen thousand for body injury or the death of an individual that is in an accident where it is your fault. Thirty thousand for the body injury or the death of two people where it has been proven to be your fault. Ten thousand for property damage that is caused by an accident in which you are at fault.

The minimum coverage for Arizona automobile insurance does not require that you have to hold auto insurance on vehicles that you have garaged. You can choose when you should get auto insurance on a car that you are not driving. You may have to fill out an Arizona de-insured certificate in this case. The car that you are not driving will have to be insured if and when you start driving it again.

For uninsured motorists in Arizona auto insurance coverage is insurance bought to cover yourself if you are involved in an accident with a person who does not carry auto insurance. Some states require that you carry this type of insurance however, Arizona does not consider it for minimum coverage requirements.

Arizona auto insurance companies may offer this type of insurance to you but if you do not want to you do not have to take it. In the state of Arizona you are required to have the minimum coverage and should be able to show proof of this coverage if need be. Failure to show proof of auto insurance in the state of Arizona will make you have to pay penalties. Your license could be suspended and you will be fined. If you are caught without insurance again and again, the penalties will be more severe.