Driver B's insurance company would then make up the remaining 15%. For example, if Driver A is 85% responsible for an accident, their insurance company would pay Driver B 85% of the total loss. If two drivers are both somewhat responsible for an accident, the insurance companies will assign a percentage to their fault. After an accident, the injured driver can file a claim with the other driver's insurance company and get reimbursed for their losses if it is determined that the other driver is at fault.Īrizona is a comparative negligence state. This means that a driver who causes an accident in Arizona is responsible for compensating the other driver for their medical expenses and property damage.

Is Arizona a no-fault state?Īrizona is not a no-fault state. Most insurance companies recommend that drivers purchase more coverage than legally required. If a driver causes an accident and their passengers' injuries topped $100,000, they would have to pay the remaining amount out of pocket. However, there is no guarantee that the minimum amount of coverage will offer enough financial protection in the event of an accident. Arizona drivers must have at least $50,000 to cover multiple passenger injuries in an accident and at least $15,000 to cover property damage resulting from an accident. The term 'per accident' refers to all passengers involved in a collision. In Arizona, drivers must have at least $25,000 to cover one person's injuries in an accident. The term 'per person' refers to one passenger in an accident. Every driver has to carry at least $25,000 in bodily injury liability coverage per person, $50,000 in bodily injury liability coverage per accident and $15,000 in property damage liability coverage per accident. Liability insurance is a requirement in Arizona. Failure to produce proof of insurance: Failing to provide sufficient proof of insurance or proof of financial responsibility by request of a law enforcement officer is a civil traffic violation.

Driving without the minimum required insurance is illegal and has steep consequences.

Minimum insurance requirements: Every driver in Arizona must have at least 25/50/15 coverage to align with the state's minimum requirements, in accordance with Arizona Department of Transportation (AZDOT) regulation.

Proof of financial responsibility: Arizona drivers who do not want to purchase car insurance could choose to prove financial responsibility with a $40,000 deposit, as long as they have a certificate from the Arizona Office of Treasurer validating the deposit.

Proof of insurance: In Arizona, all drivers are required to carry auto insurance and keep proof of insurance documentation in their vehicle at all times.

Arizona's car insurance laws are similar to many other states and include: In the state of Arizona, drivers are subject to certain car insurance laws.

Pclp arizona law