What new drivers need to know about Arizona auto insurance requirements
Whether you just moved to Arizona or looking to buy your first car in Chandler, AZ, you need to seriously think about auto insurance. All drivers are required to show proof of financial responsibility by carrying the minimum amount of liability. When you first visit us at San Marcos Insurance Group, we help you understand how the law works before helping you find a policy that matches your needs. Here is what you need to know before buying insurance in Arizona.
Arizona uses the old “Fault” system
The state follows the old fault system when it comes to accidents on the road. That means the person who caused the accident is held accountable for injuries, vehicle damage, and income lost. If you are the victim, you can sue the driver at fault to receive compensation from their insurance company.
You are required to carry the minimum liability coverage
The Arizona law requires drivers to buy minimum liability coverage for every vehicle in operation, to prove financial responsibility. That means your insurance company can pay for injuries and property damage in case you caused a car accident. The minimum liability coverage is not always adequate and policyholders are advised to buy enough to avoid out-of-pocket costs.
There are penalties if you don’t show proof of insurance
If you are stopped and the traffic officer asks for proof of insurance, you must produce one, or you will be penalized. If the law enforcement officer learns that you don’t have insurance, you could have your license suspended or even face a jail term, especially if you caused an accident.
There is a safety glass non-deductible option for Arizona auto insurance policies
When you buy a Chandler, AZ insurance policy with a comprehensive deductible, you qualify for the safety glass non-deductible benefit. This means you can have your vehicle replaced or repaired without paying.
Looking to buy insurance in Arizona? Contact San Marcos Insurance Group, for all your insurance needs.