");
Private passenger vehicle insurance is required by law in the state of Arizona, and for good reason. It's expensive to replace a car, or pay for legal liability for property damage or bodily injury in the case of an accident. Auto insurance coverage is pretty straightforward and comprised of three main parts:
Coverage A - Liability
Liability coverage covers your liability in an accident if you are found to be at-fault and pays for the property damage and bodily injury of the other party involved.
Coverage - C Uninsured and Underinsured Motorist
Uninsured Motorist covers you in an accident if someone who hit you leaves the scene of the accident and cannot be found, or that person does not have insurance. Uninsured Motorist covers you inside or outside your vehicle for incidents involving a vehicle.
Uninsured Motorist covers you in an accident if someone who is responsible for the accident has insurance but doesn’t have enough insurance to cover their liability for your medical or property damage expenses.
Coverage D - Collision and Other Than Collision (Comprehensive)
Collision covers damage to your auto in the case of collision with property, whether it’s another vehicle or an object such as a pole.
Comprehensive covers incidents to your vehicle for things other than collision. Some examples of coverage incidents include hail damage, a tree falling on your vehicle, and similar events.
What Is A Covered Auto?
Just as it is important to understand who is covered, it is also important to understand what is covered.
Like the 38 other at-fault states, Arizona holds the driver who caused the accident financially responsible for any property damage, medical bills, lost wages, or additional associated costs suffered by the other driver. The minimum amount of acceptable liability coverage consists of: up to $25,000 for bodily injury to any one person, and up to $50,000 for injuries to two or more persons per incident, and up to $15,000 per incident for property damage liability. Our very experienced, professional agents at Oakley Insurance Group will work with you to make sure your vehicle and your family get the coverage you need.
If you have a new car to replace an existing one, or purchased a new vehicle to add to your policy, your existing policy is automatically applied to the new vehicle for a short time. Newly acquired auto's automatically have the same coverage as the other vehicles on your policy for 14 days, but it needs to be directly added to the policy within those 14 days.
Stupid Motorist Law - 28-910 - Liability for emergency responses in flood areas:
A.) A driver of a vehicle who drives the vehicle on a public street or highway that is temporarily covered by a rise in water level, including groundwater or overflow of water, and that is barricaded because of flooding is liable for the expenses of any emergency response that is required to remove from the public street or highway the driver or any passenger in the vehicle that becomes inoperable on the public street or highway or the vehicle that becomes inoperable on the public street or highway, or both.
C.) The expenses of an emergency response are a charge against the person liable for those expenses pursuant to subsection A or B of this section. The charge constitutes a debt of that person and may be collected proportionately by the public agencies, for-profit entities or not-for-profit entities that incurred the expenses. The person's liability for the expenses of an emergency response shall not exceed two thousand dollars for a single incident. The liability imposed under this section is in addition to and not in limitation of any other liability that may be imposed.
D.) An insurance policy may exclude coverage for a person's liability for expenses of an emergency response under this section.
Despite Arizona's "stupid motorist" law, Tucson area drivers insist on driving through August floodwaters in June and July, resulting in total loss of a vehicle, expenses for rescue extraction, and other property and personal liability.