Yes. Like most states, Arizona has what’s commonly referred to as an at-fault car insurance system. This means the at-fault party who caused the accident is responsible for compensating anyone who suffered a financial loss due to the accident.
Often, this responsibility falls on the shoulders of the at-fault driver’s insurance company. They’re the ones that will likely compensate you for your accident expenses. But even if another driver clearly caused your crash, don’t be surprised if you have a hard time getting the money you deserve from the other driver’s insurance company. That’s because there’s often a lot of money at stake. And insurance companies will do everything they can to pay you as little as possible for your accident.
Are Arizona drivers required to have car insurance?
Yes. All registered vehicles in Arizona must have some form of car insurance. The minimum mandatory car insurance requirements for Arizona include:
- $15,000 for property damage sustained in an accident.
- $25,000 per person for injury-related expenses.
- $50,000 per accident for injury expenses two or more people injured in an accident.
What optional car insurance is available in Arizona?
Drivers often have a wide range of choices when it comes to optional car insurance in Arizona, including:
- Collision insurance, which pays for vehicle repairs after a car accident, regardless of fault. Collision is generally optional as far as the law is concerned, but if your vehicle is financed, it will likely be required by the lienholder.
- Comprehensive coverage, which covers the cost of repairing a vehicle or purchasing a new car due to damage caused by something other than a vehicle collision, including a theft, weather-related damage or an accident involving an animal.
- Medical payment coverage, also known as “MedPay,” which pays for medical expenses and funeral expenses resulting from an accident, regardless of fault.
- Uninsured/Underinsured Motorist (UM/UIM) coverage, which covers an accident with an uninsured driver or driver who does not have enough insurance coverage to pay for the accident.