In the state of Arizona, it is required that every motor vehicle that operates on roads in the state is covered by liability insurance. This liability insurance must be provided by a company that is authorized to do business in Arizona. This is a requirement by the Motor Vehicle Division, a part of Arizona’s Department of Transportation.
It is important to note that this mandatory insurance requirement doesn’t just cover cars. It is also applicable to other vehicles such as motorcycles, golf carts, and even mopeds. Insurance companies are also required to notify the MVD of all new policies, policy cancellations, and policy non-renewals as well.
Minimum Insurance Required in Arizona
The minimum amount of insurance required in Arizona is broken up into two different parts: bodily injury liability and property damage liability. For bodily injury liability, you must have at least $25,000 of bodily injury liability coverage for one person and $50,000 for two or more persons. The minimum amount of property damage liability required is $15,000 in the state of Arizona.
Necessary Insurance Documents
It is always important that you bring your auto insurance card with you wherever you go. Your auto insurance card should contain your policy number, insurance company’s phone number, the insurance policy’s effective date, and the insurance policy’s expiration date. Additionally, your auto insurance card should also list your vehicle’s VIN as well as the physical address of the insurance company that issued you this policy. Your own name and phone number should be on your auto insurance card, too.
You may also temporarily discontinue the insurance for a vehicle until it can get back on the road again. Doing so is known as de-insuring a vehicle. You will have to submit a De-Insured Certificate to the Arizona MVD so that your driver’s license doesn’t get suspended for failing to maintain proper insurance.
Arizona Insurance Cards
When you register your car in Arizona, you are required to show proof of insurance. You also have to provide proof of insurance if you are pulled over by a police officer. If you get into a car accident, you will have to show proof of insurance then, as well. Your Arizona insurance card will likely look something like this.
In the state of Arizona, your auto insurance card will provide the make and model of your vehicle, too. It also shows the model year of your vehicle. Your federal tax ID number is on your auto insurance card in Arizona, as well.
How to Report Insurance Fraud in Arizona
As in most states, insurance fraud is a serious issue in Arizona. Insurance fraud increases insurance rates for everyone in Arizona. There are several ways you can report insurance fraud in Arizona. In order to report insurance fraud against insurance companies, you can use this form. However, if you are reporting insurance fraud or scams against an insurance consumer, you can do so by filling a complaint with the Arizona Department of Insurance.
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