Auto Insurance

Arizona has a financial responsibility law. It is designed to make sure that any motorist licensed to drive in Arizona has insurance or enough money to pay for damages to others that may be caused by an operator of a motor vehicle.

Bodily Injury Coverage

You must buy bodily injury coverage. Bodily injury coverage is a type of liability insurance. It pays for medical expenses, lost wages, and pain and suffering that you cause (for which you are legally responsible or liable) to others due to an automobile accident.

Bodily injury coverage does not pay for your medical expenses, lost wages, and pain and suffering from any accident. To pay for your injuries and expenses you may buy medical payments coverage, uninsured motorist coverage, and underinsured motorist coverage.

If you do not have any or enough bodily injury coverage and you cause an accident, a court may order you to compensate the people you hurt in the accident. To decide how much bodily injury coverage you should buy, you must decide (1) how much coverage you can afford to buy and (2) how much of your assets you would be willing to lose if you cause a serious accident. You must buy at least the minimum bodily injury liability limits, but you may buy coverage with higher limits.

The minimum required bodily injury coverage is:
• $15,000 for the injury or death of one person in any one accident.
• $30,000 for the injury or death of two or more people in any one accident.

< Back