{"id":1017,"date":"2021-02-10T15:48:13","date_gmt":"2021-02-10T23:48:13","guid":{"rendered":"https:\/\/freedomgeneral.com\/blog\/?p=1017"},"modified":"2021-08-02T07:33:02","modified_gmt":"2021-08-02T14:33:02","slug":"uninsured-motorist-coverage-arizona","status":"publish","type":"post","link":"https:\/\/freedomgeneral.com\/blog\/uninsured-motorist-coverage-arizona\/","title":{"rendered":"Is uninsured motorist coverage required in Arizona?"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"640\" height=\"427\" src=\"https:\/\/freedomgeneral.com\/blog\/wp-content\/uploads\/2021\/02\/policeman-helping-accident.jpg\" alt=\"uninsured motorist accident with police motorcycle\n\" class=\"wp-image-1018\" srcset=\"https:\/\/freedomgeneral.com\/blog\/wp-content\/uploads\/2021\/02\/policeman-helping-accident.jpg 640w, https:\/\/freedomgeneral.com\/blog\/wp-content\/uploads\/2021\/02\/policeman-helping-accident-300x200.jpg 300w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/figure>\n\n\n\n<p>In Arizona alone, it\u2019s estimated that as much as 13% of all drivers are driving without insurance. That\u2019s over one out of every ten drivers operating illegally on the roads without being properly covered! That\u2019s an alarmingly high number, one that Arizona officials are trying hard to reduce every day.<\/p>\n\n\n\n<p>So what happens if one of those uninsured drivers strikes you in an accident, resulting in bodily injury? Normally their insurance would pay for the costs of your medical bills. But if they don\u2019t have any insurance, are you simply out of luck?<\/p>\n\n\n\n<p>That\u2019s where uninsured motorist coverage in Arizona comes in.<\/p>\n\n\n\n<p>In Arizona, uninsured and underinsured motorist bodily injury coverage isn\u2019t just a helpful option to keep you covered in the event of the scenario we described above\u2014 it\u2019s legally required.<\/p>\n\n\n\n<p>Arizona law requires the following limits for auto insurance policies:<\/p>\n\n\n\n<ul><li><strong>Bodily injury liability coverage:<\/strong> Minimum $25,000 per person \/ $50,000 per accident<\/li><li><strong>Property damage liability coverage:<\/strong> Minimum $15,000<\/li><li><strong>Uninsured motorist bodily injury coverage:<\/strong> Minimum $25,000 per person \/ $50,000 per accident<\/li><li><strong>Underinsured motorist bodily injury coverage:<\/strong> Minimum $25,000 per person \/ $50,000 per accident<\/li><\/ul>\n\n\n\n<p>That\u2019s right\u2014 you\u2019ll need to have at least $25,000 per person in uninsured motorist bodily injury coverage and $50,000 per accident in underinsured motorist bodily injury coverage in Arizona.<\/p>\n\n\n\n<p>All that said, you might have some other questions, such as:<\/p>\n\n\n\n<ul><li>What is uninsured motorist coverage?<\/li><li>What is underinsured motorist coverage?<\/li><li>Why do I need uninsured motorist coverage in Arizona?<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">What is uninsured motorist coverage?<\/h2>\n\n\n\n<p>In the world of car insurance, uninsured motorist coverage protects you in the event that you sustain injuries due to an accident caused by a driver who is not properly insured or is underinsured. For example, let\u2019s say that another driver causes an accident that results in you having to go to the hospital and have medical procedures done, resulting in medical bills. Normally, their insurance would cover the costs of your medical bills. But what if the driver is illegally driving without insurance or the legally required minimum coverage?&nbsp;<\/p>\n\n\n\n<p>This is where uninsured motorist coverage (also known as underinsured motorist coverage) comes in. Uninsured motorist coverage in Arizona is designed to protect you against the possibility of being left on the hook for medical costs resulting from an accident that wasn\u2019t your fault just because the responsible party wasn\u2019t properly covered.<\/p>\n\n\n\n<p>That\u2019s not all uninsured motorist coverage in Arizona helps you with. What about the event that you\u2019re the victim of a hit and run, where the driver responsible leaves the scene and can\u2019t be found at all? Uninsured motorist coverage would also protect you in this circumstance. Hit and run drivers are considered uninsured when it comes to bodily injury claims.<\/p>\n\n\n\n<p>In some cases, underinsured motorist coverage in Arizona will also help you if the driver responsible for your injuries <em>is<\/em> properly covered, but not enough to cover all of the costs of your injuries. For example, Arizona requires a minimum of $15,000 per person for bodily injury liability coverage. If you sustain injuries totalling $30,000 in costs, underinsured motorist coverage can help make up the difference.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why do I need uninsured motorist coverage in Arizona?<\/h2>\n\n\n\n<p>While needing to pay premiums for uninsured motorist coverage in Arizona may be frustrating, the requirement is designed to keep responsible drivers safe from financial burdens that aren\u2019t their fault. After all, without uninsured motorist coverage, an accident caused by someone else could cause you thousands of dollars in medical costs if the other driver isn\u2019t properly insured. And with over one in ten drivers on the roads in Arizona uninsured, it\u2019s possible that you could be victim to an accident caused by an uninsured driver. If that happens, you\u2019ll be glad that you have uninsured motorist coverage in Arizona to protect you from having your life savings drained due to an accident you couldn\u2019t have avoided.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Is uninsured motorist coverage required in Arizona?<\/h2>\n\n\n\n<p>To sum up everything we\u2019ve shared so far, here are the basic points you need to know:<\/p>\n\n\n\n<ul><li>Arizona law requires every driver to have at least $25,000 per person in uninsured motorist bodily injury coverage and $50,000 per accident in underinsured motorist bodily injury coverage in Arizona.<\/li><li>Uninsured motorist coverage protects you in the event that you sustain injuries due to an accident caused by a driver who is not properly insured or is underinsured<\/li><li>With 13% of drivers in Arizona driving without proper insurance, uninsured motorist coverage provides you with protection against being left with thousands or tens of thousands of dollars in medical bills for an accident that wasn\u2019t your fault<\/li><\/ul>\n\n\n\n<p>You may be wishing that you didn\u2019t have to pay for uninsured motorist coverage just to account for all of the irresponsible drivers driving in Arizona without insurance. But the good news is that adding uninsured motorist coverage to your insurance policy doesn\u2019t have to break the bank. Some insurers such as Freedom National offer cheap car insurance in Arizona that will get you properly covered and on the road in no time.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Conclusion<\/h2>\n\n\n\n<p>Looking to get great quotes online for Arizona insurance? Go to our Arizona insurance quote page to find <a href=\"https:\/\/freedomgeneral.com\/arizona\" target=\"_blank\" rel=\"noreferrer noopener\">cheap car insurance in Arizona<\/a> for all of your unique needs and life circumstances. Here you\u2019ll find info about the kind of rates you can expect and how you can lower your rate with Freedom National, including opportunities to get coverage for those who may have adverse events on driving records such as SR-22s. If you\u2019re looking for more information or want to learn more about car insurance in Arizona, feel free to browse our blog for additional info.<\/p>\n\n\n\n<p>Once you\u2019re ready to find cheap car insurance that will keep you fully covered and allow you to easily customize your plan based on your unique needs, head to <a href=\"https:\/\/pos.freedomgeneral.com\/direct\/en\" target=\"_blank\" rel=\"noreferrer noopener\">our page to start your free quote<\/a>. It takes just a few minutes to enter some basic information and get a custom quote.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>In Arizona alone, it\u2019s estimated that as much as 13% of all drivers are driving without insurance. That\u2019s over one out of every ten drivers operating illegally on the roads without being properly covered! That\u2019s an alarmingly high number, one that Arizona officials are trying hard to reduce every day. So what happens if one of those uninsured drivers strikes you in an accident, resulting in bodily injury? Normally their insurance would pay for the costs of your medical bills. But if they don\u2019t have any insurance, are you simply out of luck? That\u2019s where uninsured motorist coverage in Arizona <\/p>\n","protected":false},"author":7,"featured_media":1018,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v14.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Is Uninsured Motorist Coverage Required in Arizona? | Freedom General<\/title>\n<meta name=\"description\" content=\"When it comes to uninsured motorist coverage, Arizona makes it a legal requirement for policy holders. Learn all of the ins and outs in our guide.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/freedomgeneral.com\/blog\/uninsured-motorist-coverage-arizona\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Is Uninsured Motorist Coverage Required in Arizona? | Freedom General\" \/>\n<meta property=\"og:description\" content=\"When it comes to uninsured motorist coverage, Arizona makes it a legal requirement for policy holders. 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