Introduction
There are various AZ insurance laws for all drivers in the state. These laws are the rules and regulations that concern auto insurance in Arizona. The laws in AZ insurance seem to be the most complex of insurance laws systems. Though this is the case, there is no need to worry as an Arizona driver because one becomes informed with the system though some little effort.
az insurance laws
The state of Arizona requires that all drivers be covered by the auto az insurance. It also sets liability requirements on the same. It is compulsory for any driver in Arizona to purchase a minimum coverage worth $15,000. This is meant for bodily injury for a single person. For two or more individuals, the drivers are supposed to purchase coverage worth $30,000 and for property damage, $10,000 should be purchased.
When a driver’s az insurance coverage is canceled, they must pay the premium for the coverage’s reinstatement. This also applies in the case whereby the coverage expires. The same insurance coverage can be applied for in order to get a new policy. In some cases, drivers feel that their coverage was canceled unjustly. The AZ insurance laws allow the driver to formally state the case. This is enhanced by writing to the Director of Insurance of State.
When a driver has his insurance purchase is continually rejected, AZ insurance laws allow one to purchase the coverage via the Arizona Auto Insurance plan. This continuous rejection may be as a result of their prior cancellation. Another case is when there occurs an accident. Arizona laws for drivers imply that someone must be found at fault for the caused damage. The driver found at fault is responsible for all injury and damage caused. The AZ insurance laws also permit the victims to sue the at-fault driver for any wages loss and the pain and suffering caused.
These az insurance laws also takes drunk driving on a serious note. The state sets a general Blood Alcohol Content (BAC) and distinguishes between DUI and intense DUI. This is through set measures that bring about the difference. This makes the laws unique in addition to other measures used as evidence in prosecution.
Drivers arrested for DUI end up their licenses being canceled. For the first and second time offenders, AZ insurance laws can push them to sturdy penalties that include a ten day jail time. Second offenders might end up installing an interlock device in their vehicle at their own expenses. This device detects any alcohol present in the entire car, prevent the car from starting and report the case to the nearest authorities.
conclusion
AZ insurance laws extend to teens. The rules change for teens and are very harsh. In Arizona, there should be no detectable alcohol trace for teens. This is different from other states that employ some BAC percentage. These insurance laws in Arizona extend to implementing a graduated driver program that is for 15 and a half year old teens. This is to prepare them when they grow up. Arizona auto insurance is somehow costly but not that expensive. It is averaged at a pay of $913 coverage for every year.
