Always Have Car Insurance In Arizona

In every state the law requires drivers to have car insurance. Some of the states require more insurance than other states do, but Arizona has an insurance or financial responsibility law. One of the expenses of driving a vehicle is the expense of insurance.

If a police officer pulls you over in some states and you do not have insurance, your vehicle registration can be canceled and the license plates be removed from your vehicle. Other states allow for fines and require you to prove that you have insurance to the court. Insurance companies often charge more for filing this paperwork.

Fines and confiscated license plates are minor as they are compared to the price that is involved when you are in an accident and do not have insurance.

Some states have laws that place financial responsibility of an accident on the driver without insurance. Even without those laws you could be financially responsible if you are at fault in the accident. Medical and property losses can be very large in even a small accident when you are paying out of pocket.

First you could lose your own vehicle in the accident. Then you could have to pay for replacement of the other vehicle or vehicles involved in the accident. Since new vehicles can cost over twenty thousand dollars each, these expenses can quickly add up.

If there is an accident you may also be responsible for medical expenses of everyone in the accident. A trip to the emergency room can cost three thousand dollars, intensive care can cost three thousand dollars a day and any surgeries will continue to add to the bill. One person spending a week in the hospital can easily rack up a thirty thousand dollar bill. Multiple persons in the hospital could put you over one hundred thousand dollars in debt.

You may think that your are a safe driver and that you are not likely to get into an accident, but even the most defensive of drivers sometimes have accidents. Just a short distraction can cause accidents to happen. It can be a cell phone ringing or a child screaming that distracts you but you are distracted and traffic stops. You find yourself involved in an accident.

Maybe you have heard the old expression penny wise but pound foolish. This expression is exactly the description of a person who is driving without insurance. Most drivers can purchase insurance for under one hundred dollars per month. Driving without insurance can cost you thousands of dollars in a few seconds.

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