Auto Insurance Minimum Limits are Going Up, Finally. | Auto Accident Attorney
As an auto accident attorney I am happy to report that Arizona motorists who purchase only the minimum liability insurance will soon need to increase their coverage up to $25,000 per person and $50,000 per crash.
On June 7, 2019 by Governor Doug Ducey signed into law SB 1087, a bill that mandates vehicle owners buy auto policies with coverage of at least $25,000 for injuries caused to any one person. The current per-person minimum is just $15,000, which has been the required amount since 1972.
This represents a long overdue 67% increase in mandatory bodily injury coverage, is the first increase in Arizona in nearly 50 years, and helps make our roads as safe as those in most neighboring states. And yes, you will be paying more for more coverage.
The new law also increases total coverage for all injuries in any one crash from $30,000 to $50,000. The property coverage, which covers damage to another’s vehicle or property, likewise goes from $10,000 to $15,000 per crash.
This new law applies to policies purchased on or renewed after July 1, 2020.
Keep in mind, this increased coverage law applies only to liability coverage, which covers those or their property you may harm due to carelessness while driving. You are free to buy insurance that provides more coverage than the new law requires. With medical bills and auto repairs one crash could cause, you need to make sure you protect yourself and your loved ones. Remember, the more you have, the more insurance you need.
Despite mandatory insurance laws, about 12% of Arizona drivers operate their vehicles without insurance. To protect yourself from the negligence of uninsured or underinsured drivers, you still need to have your own uninsured motorist and underinsured motorist coverage on your auto policy.
If you have any questions I am an experienced auto accident attorney in Arizona. I would be happy to answer any questions or evaluate an auto accident case you have been involved in within the last two years. Please all me at (480) 833-1113.
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