Vehicle Insurance and Financial Responsibility

What this document is

Arizona Revised Statutes Title 28, Chapter 9 - Vehicle Insurance and Financial Responsibility (Secs. 28-4001 through 28-4153) is a state statute published by Arizona State Legislature (azleg.gov). It is one of the Arizona documents that insurance license exam questions are written from, including arizona property & casualty, arizona personal lines practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

• A.R.S. § 28-4009(A)(2)(b) (Motor vehicle liability policy requirements)

  “(b) For a policy that is issued or renewed beginning on July 1, 2020, except for a policy that is issued to a person that has a valid certificate of self-insurance or partial self-insurance pursuant to section 28-4007: (i) $25,000 because of bodily injury to or death of one person in any one...”

• A.R.S. § 28-4009(C)(4) (Motor vehicle liability policy requirements)

  “4. Is not required to insure liability either: (a) Under any workers' compensation law. (b) On account of bodily injury to or death of an employee of the insured while engaged in the employment, other than domestic, of the insured or while engaged in the operation, maintenance or repair of the motor vehicle.”

• A.R.S. § 28-4010(B) (Motor vehicle liability policy; primary and excess coverage)

  “Except as provided in subsection A, if two or more policies affording valid and collectible liability insurance apply to the same motor vehicle that is involved in an occurrence out of which a liability loss arises, it is conclusively presumed that the insurance afforded by that policy in which the...”

• A.R.S. § 28-4135(D) (Motor vehicle financial responsibility requirement; civil penalties; restricted driving privilege; evidence at hearing)

  “D. A citation issued for violating subsection B or C of this section shall be dismissed if the person to whom the citation was issued produces evidence to the appropriate court officer on or before the date and time specified on the citation for court appearance and in a manner specified by the...”

• A.R.S. § 28-4133(D) (Insurance identification cards; documentary evidence; exception)

  “D. This section does not apply to a commercial vehicle policy that provides automatic coverage for additional or newly acquired vehicles until the policy's expiration date.”

• A.R.S. § 28-4033(A)(1)(b) (Financial responsibility requirements)

  “For a vehicle with a gross vehicle weight of twenty thousand one pounds to twenty-six thousand pounds, minimum coverage in the amount of three hundred thousand dollars.”

• A.R.S. § 28-4009(C)(5)(a) (Motor vehicle liability policy requirements)

  “The liability of the insurance carrier with respect to the insurance required by this chapter becomes absolute when injury or damage covered by the motor vehicle liability policy occurs. The policy may not be cancelled or annulled as to that liability by an agreement between the insurance carrier...”

• A.R.S. § 28-4008(B) (Assigned risk plans)

  “After a plan has been approved, all insurance companies authorized to issue motor vehicle liability policies in this state shall subscribe to and participate in the plan.”

• A.R.S. § 28-4009(A)(2)(b)(iii) (Motor vehicle liability policy requirements)

  “$15,000 because of injury to or destruction of property of others in any one accident.”

• A.R.S. § 28-4135(B) (Motor vehicle financial responsibility requirement; civil penalties; restricted driving privilege; evidence at hearing)

  “The evidence may be displayed on a wireless communication device that is in the motor vehicle. If a person displays the evidence on a wireless communication device pursuant to this subsection, the person is not consenting for law enforcement to access other contents of the wireless communication device.”

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Questions about this source

More Arizona sources

• Ariz. Rev. Stat. s. 20-443: Misrepresentations and false advertising of policiesState statute
• Ariz. Rev. Stat. s. 20-295: License denial, suspension, or revocation; civil penaltyState statute
• Ariz. Rev. Stat. ss. 20-448, 20-452: Unfair discrimination and rebatesState statute
• Ariz. Rev. Stat. ss. 20-1203 to 20-1210: Standard life insurance policy provisionsState statute
• A.R.S. Title 20, Chapter 2, Article 2 - Unfair Trade Practices (Secs. 20-441 through 20-462)State statute
• Arizona Revised Statutes Title 20, Chapter 1 - General Provisions (Secs. 20-101 through 20-191)State statute
• Arizona Revised Statutes Title 20, Secs. 20-1001 onward - Prepaid Dental Plan Organizations and Related EntitiesState statute
• Arizona Revised Statutes Title 20, Secs. 20-1101 onward - The Insurance ContractState statute