Arizona SR22 Insurance Filings & Quotes
Within the state of Arizona, if an individual has received certain moving violations, they are required by law to have and maintain an SR22 insurance policy in order to reinstate their driver’s license. The coverage this SR22 certificate provides is a conventional auto insurance policy in Arizona with an SR22 certificate attached to it that has been issued by a state licensed Arizona Insurance provider.
This SR22 certificate is sent to the DMV of Arizona by the insurance provider as proof to the state that you possess the state mandated minimum automobile liability insurance limits If you don’t own a car, you must get an SR22 policy referred to as a non-owner policy in order to release to reinstate your driving privilege in Arizona. However, if you own a car, the vehicle must be listed on the SR22 certificate that is in your name. This is called an owner-operator policy.
Various moving violations will trigger the DMV to require you to get an SR22 insurance certificate vary from, but are not limited to: a DUI having a blood alcohol content of .08 or more, driving without auto insurance, more than 12 points on your license, or any outstanding judgments. Any of these types of violations can lead to suspension or revocation of one’s drivers license, until you meet any court ordered or DMV ordered requirements are met.
The reinstatement requirements in Arizona can include taking classes or paying fines, and definitely will always require you to get an Arizona SR22 insurance policy provided by an agency licensed to do business in Arizona.
Minimum Liability Insurance Limits for an Arizona SR22 Insurance policy are:
$15,000 bodily injury for one person in one accident
$30,000 for two or more persons in one accident
$10,000 property damage incurred in one accident
Forms of Arizona SR22 Insurance Policies
An SR22 insurance rider can be attached to three different types of auto insurance policies.
1) A traditional auto insurance policy. The policy can be a liability only policy, with the state minimum liability limits, on a vehicle registered in the policy holders name. This would be classified as an Arizona SR22 Insurance owner operator policy.
2) A non-owner policy. This type of policy is when the individual ordered to carry the SR22 does not own a vehicle. They must also carry the state minimum liability limits, but the policy “follows” the individual not a vehicle.
3) A traditional Motorcycle insurance policy. This policy can also be liability only, but is for a motorcycle. The motorcycle must be registered in the policy holders name and must reflect a SR22 certificate on the motorcycle policy. This type of policy would be called Arizona motorcycle SR22 policy.