Arizona is not a no-fault state for car insurance purposes. Instead, it is a tort state, which means that one driver must be declared responsible for the accident. That person, and his or her insurance company, are responsible for paying for any damages caused.
A person who has been injured in a motor vehicle accident has the right to sue to get compensation for medical bills, rehabilitation costs and lost wages. The at-fault driver is also responsible for paying for the cost of repairs to the other driver’s vehicle, as well as any public property damaged in the accident.
While a driver can choose to buy only the minimum level of coverage required by law and still drive legally, it’s important to consider the level of coverage carefully. Limiting insurance protection to this level may not provide enough coverage if the accident is a serious one or there are multiple victims.
Many people are underinsured, and don’t carry enough coverage as a money-saving gesture. A better choice is for a driver to buy as much coverage as he or she can afford, and the way to find low cost Arizona car insurance is to get quotes from several companies before making a buying decision.
Getting quotes from more than one insurance company will help a customer get the level of protection he or she needs at an affordable price.