It’s illegal to drive without car insurance in Scottsdale, AZ. The state requires drivers to carry minimum liability insurance before operating their vehicles on the road. This law applies to all vehicles driven on public roads, including golf carts. Understanding what minimum liability insurance covers is essential to determine whether you need additional coverage.

Coverage for the Other Person’s Expenses

Minimum liability insurance does not cover your vehicle or medical expenses if you’re injured. Instead, it only covers the other person’s expenses. This includes their medical bills and property damage, but only up to the limits specified in your policy.

Limited Coverage

Minimum liability insurance provides limited protection for the other party involved in an accident. In Arizona, the minimum requirements are $25,000 for bodily injury coverage and $15,000 for property damage coverage. A professional at Alliance Insurance Partners can help you understand the limits of your policy and whether additional coverage is necessary.

Unfortunately, these limits are often insufficient to cover the full cost of an accident. For example, if the other driver requires a medical airlift to the hospital, the cost of their medical bills could exceed the $25,000 limit. Similarly, if they are driving a new car and it’s totaled, the $15,000 property damage limit may not cover the full cost of repairs or replacement.

No Personal Coverage

Minimum liability insurance offers no coverage for your own expenses, with few exceptions. If you’re in an accident and have underinsured motorist protection, it may help cover your costs if the other driver lacks sufficient insurance. However, minimum liability won’t cover damage to your car, whether caused by an accident, hitting an object or animal, or natural disasters.

Minimum liability insurance is inexpensive because it provides limited coverage for drivers in Scottsdale, AZ. To ensure you have adequate protection, consider working with a professional at Alliance Insurance Partners. We’re proud to serve the Scottsdale, AZ area and can help you find the right coverage for your needs.