Arizona Car Insurance Agencies
The Arizona Department of Insurance publishes several consumer insurance resources, including 1) A Personal Automobile Insurance Frequently Asked Questions (FAQ), 2) A Consumer Guide To Automobile Insurance, and 3) an Automobile Premium Comparison Survey. Available for a comprehensive outlook in concern to auto insurance information, this also serves as an accommodation towards Automobile Insurance Purchases and the expedition of such insurance contracts.
Visitors, corporations, and individual entities alike are encouraged to browse and increase awareness of Consumer Awareness Points.
When shopping for AZ car insurance it is a good idea to find about the car insurance agencies.
From the ARIZONA DEPARTMENT OF INSURANCE PERSONAL AUTOMOBILE INSURANCE posting, these are the “Consumer Awareness Points” that consumers should bear in mind:
1. Household,” “Family,” or “Intra-Family” Exclusion
Some automobile policies contain an exclusion (commonly referred to as the “Household,” “Family,” or “Intra-Family” Exclusion), which limits bodily injury liability coverage available to family members (or residents of the household) injured as a result of the negligence of another insured. Arizona law permits insurers to impose this exclusion limiting such coverage to $15,000 per person/$30,000 per occurrence (Arizona’s minimum financial responsibility limits), despite the amount of liability coverage otherwise purchased under the policy.
Typically, the exclusion states: We do not provide Liability Coverage for any "insured" for "bodily injury" to you or any "family member" to the extent that the limits of liability for this coverage exceed the limits of liability required by the Arizona Financial Responsibility Law.“Family member” and other key words important to this exclusion are commonly defined in the policy.
To ensure that the policy meets their coverage expectations, consumers should ask if the offered policy contains this exclusion, and, if so, carefully read the exclusion, together with the entire policy, and consider the option of purchasing additional coverages to ensure that family members/household residents are covered for bodily injury to the extent the consumer expects and intends.
2. Eligibility
In determining eligibility for coverage or price, insurers consider a number of factors. However, two of the most commonly used by some insurers are:
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A person’s credit history.
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Reports provided by organizations such as ChoicePoint which uses the Comprehensive Loss Underwriting Exchange (C.L.U.E.) for loss history information on an insured, or a particular property. Participating member insurers exchange this prior loss history information between members, sometimes without independent verification of the validity of the information provided by other members. Consumers who believe the information on their C.L.U.E. (or similar report) is erroneous should take steps to correct it. Information on C.L.U.E. and how to correct a report may be obtained at the following web site: www.choicepointinc.com.
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Non-payment of premium.
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The insurance was obtained through fraudulent misrepresentation.
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The named insured, any person residing in the same household as the named insured and customarily operating the insured vehicle or any other person who regularly and frequently operates a motor vehicle insured under the policy has their driver's license suspended or revoked during the policy period
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The insured becomes permanently disabled (physically or mentally) and does not produce a physician’s certificate regarding their ability to operate a motor vehicle
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The insured has been convicted during the thirty-six months immediately preceding the effective date of the policy or during the policy period of criminal negligence, resulting in death, homicide or assault, arising out of the operation of a motor vehicle, operating a motor vehicle while in an intoxicated condition or while under the influence of drugs, leaving the scene of an accident, or making false statements in an application for a driver's license or reckless driving.
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On or after January 1, 2001, but prior to January 1, 2002, is more than $1,900;
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On or after January 1, 2002, but prior to January 1, 2003, is more than $1,950;
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On or after January 1, 2003, but prior to January 1, 2004, is more than $1,980;
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On or after January 1, 2004, but prior to January 1, 2005, is more than $2,030; and
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On or after January 1, 2005 is more than the applicable threshold amount for property damage published by the Arizona Department of Insurance. A.R.S. § 20-1631(E).
3. Non-Chargeable Automobile Accidents
Insurers are not permitted to increase the “premium of an insured as a result of an accident not caused or significantly contributed to by the actions of the insured.” A.R.S. § 20-263(A).
4. Automobile Sixty-Day Discovery Period
There is a sixty-day period during which automobile insurance may be canceled by the new insurer for any reason except the location of residence, age, race, color, religion, sex, national origin or ancestry of anyone who is an insured. A.R.S. § 20-1631(C) and (D).
5. Cancellation/Nonrenewal of
an Automobile Policy
After a policy issued in Arizona has been in effect for sixty days, or if it is a renewal, the policy may only be cancelled for one of the following reasons found in A.R.S. § 20-1631(D):
6. Additional Reason For Nonrenewal
Of An Automobile Policy
In addition to the authorization to nonrenew insurance, an insurer may nonrenew a motor vehicle insurance policy if the named insured, any person who resides in the same household as the named insured and who customarily operates a motor vehicle insured under the policy or any other person who regularly and frequently operates a motor vehicle insured under the policy has had at any time during the thirty-six months immediately before the notice of nonrenewal three or more at-fault accidents under any motor vehicle insurance policy issued by this insurer in which the property damage paid by the insurer for each accident that occurs:
7. Option To Exclude the Offending
Operator If Not the Named Insured
An insurer may not cancel or non-renew the insurance when a person other than the named insured has violated the third item referenced in paragraph 5 above, or non-renew the insurance pursuant to paragraph 6 above due to the driving record of an individual other than the named insured if the named insured agrees in writing to exclude as insured the person by name when operating a motor vehicle and further agrees to exclude coverage to the named insured for any negligence which may be imputed by law to the named insured arising out of the maintenance, operation or use of a motor vehicle by the excluded person.
The written agreement that excludes coverage under a policy for a named individual is effective for each renewal of the policy by the insurer and remains in effect until the insurer agrees in writing to provide coverage for the named individual who was previously excluded from coverage. A.R.S. § 20-1631(F).
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With this knowledge right at hand, Automibile Insurance Agencies become much easier to evaluate and much less intimidating or overwhelming. Moreover, in cases of "buyers remorse" or else an unclear interaction, consumers still have that sixty-day period during which automobile insurance may be cancelled by the new insurer for any reason except the location of residence, age, race, color, religion, sex, national origin or ancestry of anyone to be insured.
The State of Arizona and the Arizona Department of Insurance Home Page [http://www.id.state.az.us/] keep consumers armed before any automotive insurance point of contract can be finalized.
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