All Motor Vehicles are Required to Have Arizona State Car Insurance

According to the ArizonaDepartment of Transportation, the state requires insurance coverage for allmotor vehicle driven or operated on the Arizona roadways pursuant to thelegislated law on finan…

According to the ArizonaDepartment of Transportation, the state requires insurance coverage for allmotor vehicle driven or operated on the Arizona roadways pursuant to thelegislated law on financial responsibility. The minimum liability insurancelimits are $15,000 for injuries to one person, $30,000 for injuries of two ormore persons, and $10,000 to cover for damage to property, resulting from anaccident. Those who drive their cars or other vehicles in Arizona are aware ofthe potential dangers of the road which could easily lead to an accident.Hence, it is of prime importance that the car has the necessary insurancecoverage.

 

The Arizona state law mandatesthat both the vehicle owner and the insurance company provide and submit proofof car insurance from accredited insurance providers in Arizona, within onemonth after the initial car registration. The law also requires insurancecompanies to regularly provide information to the Motor Vehicles Division or MVDin terms of all cancellations, new issuance, and renewals of insurance policiesof all motor vehicles.

 

While each state in thecountry may have different accepted levels of financial responsibility, allstates require compliance with this car registration or renewal of registrationrequirement, which is the need to present proof of financial responsibilitywhen processing the renewal of car registration or driver’s license. Withoutcar insurance, the registration process may be suspended or disapproved. Whendriving around Arizona, police officers may ask for proof of insurance atrandom checking. Arizona state car insurance and private insurance companies aremandated by the Motor Vehicle Division (MVD) of the Department ofTransportation to notify the division of all insurance policy non-renewals,cancellations, and new policies. Once MVD receives notification from theinsurance company that your policy has not been renewed, MVD will communicatewith the motorists to inquire about the status of their car insurance.

 

With the advent oftechnology and internet, drivers and vehicle owners will not have any validargument on why they failed to renew their policies. The ease of processing apolicy renewal can be done online and there are several Arizona auto insuranceonline offering the service. If your vehicle registration and driver’s licenseare suspended because of your failure to keep the required insurance for thecar, reinstating the privileges will be more costly for the car owner or thedriver. MVD will require presentation of “future proof of financialresponsibility” from the car owner who wants the reinstatement of the suspendedregistration. The required “future proof of responsibility” is what insurance Arizonastate car insurance companies call as SR22 form. The law requires that thevehicle owner carry the SR 22 for three years from the date of suspension. 

 

Vehicles without-of-state insurance will not be accepted in Arizona. The law requires that allmotor vehicles that are registered in Arizona must carry the proper insurancecoverage from Arizona auto insurance online or offline companies. Forout-of-state Arizona residents, however, they may submit a De-InsuredCertificate on their vehicle, on a temporary basis. De-insurance is the processof temporarily freezing the insurance policy of the vehicle that is not readyto be operated on or driven back on the road again. The vehicle with aDe-Insured Certificate will not be suspended for lack of insurance. 

 

 

 

 

Leave a Reply

Your email address will not be published. Required fields are marked *