Full Coverage Insurance in Arizona

Full Coverage Insurance in Arizona

Before you register a vehicle in Arizona you must have proof of financial responsibility, which can be in the form of a bond, certificate of deposit, certificate of insurance or cash in the amount of $40,000. 

The minimum required insurance coverage limits in Arizona are $15,000 per person, $30,000 per accident for bodily injury, and $10,000 per accident for property damage. The amount of coverage you purchase represents the maximum amount the insurance company will pay before you are required to pay the excess. 

Basic auto insurance policies consist of a number of different coverage aspects. Oftentimes, drivers are not fully informed about what kind of insurance coverage they have and are misled into believing that they have full coverage. 

If you are purchasing insurance or have purchased insurance and are unsure about your coverage, contact our Arizona personal injury law firm today to speak with a skilled representative about your options. 

Understanding Your Insurance Coverage in Arizona Full Coverage Insurance in Arizona

Most basic auto insurance policies are made up of six different types of coverage. Each faction of coverage is priced separately, which may cause variability in prices and limits. The six different types include:


  • Bodily Injury Liability – This coverage applies to the injuries that you, the designated driver, or the policyholder may cause to another person. All those listed on the policy are also covered when driving someone else’s car with permission. 
  • Medical Payments/Personal Injury ProtectionThis coverage pays for treatments for the driver and passenger(s) of the policyholder’s car. Personal injury protection may also cover medical payments, lost wages, and funeral costs. 
  • Property Damage LiabilityThis coverage pays for the damage you or someone driving your car may cause to someone else’s property. This usually means damage to another person’s car, but also can include damage to lamp posts, telephone poles, fences or buildings. 
  • CollisionThis coverage pays for damage to your car following a collision with another car or object. It also covers damages that may result from your car flipping over or driving over potholes. 
  • ComprehensiveThis coverage reimburses policyholders for losses due to theft or damage caused by something besides a collision with another vehicle such as fire, falling objects, earthquakes, windstorms, hail, floods, vandalism, or contact with animals. 
  • Uninsured or Underinsured Motorist CoverageThis coverage reimburses you or a designated driver if one of you is hit by an uninsured driver or a driver that does not have sufficient funds to pay the full cost for damage and/or injuries. 


Drivers are led to believe that they have full coverage when signing up for insurance, there really is no such thing. The amount of insurance a driver has is based on the coverage combinations they choose when buying a policy. A good start for drivers is researching the insurance coverage that is required by the state they reside in and make sure to purchase the proper coverage. 

Help With Your Insurance Coverage

Researching and purchasing auto insurance can be confusing and frustrating. It is common for insurance companies to use tricks and techniques to get people to spend more money on insurance. 

At Escamilla Law, we have decades of experience handling auto accident cases and we are well versed in insurance policies and requirements for Arizona vehicle owners. Our legal team is committed to discovering and achieving the goals of our clients and we can help you too. 

If you are struggling to purchase insurance, or feel that your insurance company has tricked you, contact our firm office today at (623) 562-3838 to speak with a skilled Phoenix attorney about your options.