Driving without insurance in Arizona is illegal. If you caught, you can face:
- Fines ranging from $500 to $1,000
- The suspension of your license, registration, and plate for three months to one year
- The requirement to obtain an SR-22 certificate on your insurance for two years
Despite these penalties, an estimated 12 percent of drivers in this state are operating uninsured vehicles. This can cause headaches for you if one of these uninsured drivers is responsible for a collision with your car.
The at-fault driver is responsible for covering your damage and any needed medical treatments; however, if the uninsured driver simply doesn’t have the money available, you may need to go through legal channels and expensive and time-consuming lawsuits just to collect a fraction of what is due to you.
That is why uninsured motorist coverage can prove so beneficial. This optional coverage pays for your vehicle repairs and medical expenses if you are in an accident and the at-fault driver is uninsured or underinsured. Your insurance company will then take on the responsibility of trying to collect the money owed from the at-fault driver.