Why State Minimum Auto Coverage Is Not Enough 

Many Arizona drivers assume that meeting their state minimum auto coverage requirements will provide sufficient liability coverage in an at-fault accident.

However, relying solely on these minimums can leave you financially vulnerable in the event of an accident.

Here’s why state minimum auto coverage requirements often fall short.

Limited Liability Coverage

State minimums typically include liability coverage, which pays for damages and injuries you cause to others in an accident up to the policy’s dollar limits. However, these limits are often quite low. In a severe accident, medical bills and legal fees can quickly exceed these amounts, leaving you responsible for the difference.

As more drivers choose high-value vehicles, your risk of being in an accident with one of these cars increases. Minimum state-mandated liability coverage won’t typically cover the replacement of high-value or newer vehicles and could leave you financially vulnerable.

No Coverage for Your Own Vehicle

Minimum coverage does not include collision or comprehensive insurance, designed to help cover damage to your vehicle, even if you caused the accident. If you’re at fault in an accident or if your car is damaged by a non-collision event—like theft or natural disasters—you’ll have to pay out of pocket for repairs or replacement without full coverage auto insurance.

Uninsured/Underinsured Motorist Protection

Arizona does not require uninsured or underinsured motorist coverage. This means if you’re hit by a driver who has no insurance or insufficient coverage, or you are the victim in a hit-and-run incident, you could be left with significant expenses. Adding this coverage can help provide financial protection.

Contact Us

Contact Above All Insurance in Phoenix, Arizona, for auto insurance tailored to meet your needs.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.