Driving without insurance is a risky proposition in Arizona. If a driver in this state decides to operate without insurance, they could face a multitude of consequences. This can include traffic citations, major fines, license suspensions, and a requirement to purchase an expensive SR-22 certificate. Additionally, if a driver is involved in an accident and does not have insurance, they could be held civilly liable for the injuries and damages sustained by other parties involved.
Here, we want to discuss the auto insurance requirements in Arizona as well as the possible consequences of failing to obtain the required insurance.
Just like every other state in the country, Arizona is allowed to set requirements for the types of insurance and the minimums that drivers must carry in order for them to be legal on the roadway. Every driver must have insurance in Arizona, including the following types and minimums:
You will notice that drivers in Arizona are not required to carry uninsured or underinsured bodily injury coverage. Some states do require this coverage, and it is strongly recommended that drivers in Arizona consider adding this to their policy. Uninsured and underinsured motorist coverage is not terribly expensive and is incredibly beneficial if you are struck by an uninsured driver or driver with an inadequate amount of coverage to pay for your expenses in an accident.
Data available from the Insurance Information Institute shows that, during a recent reporting year, 13% of all motorists in the United States were operating while uninsured. In Arizona, approximately 12% of all drivers operate in this state without insurance.
Arizona law enforcement officers can ask for proof of insurance during traffic stops or in the aftermath of a person being involved in a car accident. If a driver cannot show proof of insurance, they will very likely be issued a citation. If a driver does not have insurance coverage, they can face the following penalties:
The state of Arizona does allow the possibility of reducing or eliminating the fine for driving without insurance. Upon conviction, the state may reduce or waive the penalty if you present:
If you or someone you know have been injured in an auto accident, contact a Phoenix personal injury lawyer to discuss possible compensation.