Arizona
Auto minimums, flood exclusions, cancellation notes, and uninsured and underinsured motorist offers for people in Arizona.
The insurance posts, sorted by who they are written for.
After 60 days, DIFI says an auto insurer may cancel only for listed reasons. You may write the Director within ten days of the notice. If you cannot find another company, apply to the Arizona Automobile Insurance Plan through any licensed property-and-casualty agent.
DIFI says a standard homeowners policy does not cover flood, including monsoon water that pools and enters at ground level, and does not cover earthquake. A new NFIP policy generally waits 30 days. Home limits on that page are $250,000 for the residence and $100,000 for contents.
A.R.S. 20-1654 says an insurer must mail notice at least 30 days before the policy period ends if it will nonrenew, or renew with reduced limits or eliminated coverages. After 60 days, mid-term cancellation is limited to the grounds in A.R.S. 20-1652. A condition-of-premises nonrenewal includes time to fix the problem.
Contact the company first. Then write the Department of Insurance and Financial Institutions. DIFI says a complaint can sit up to a week before it is reviewed. Filing does not pause a policy deadline, and a case with a lawyer or a lawsuit is outside the complaint.
For policies issued or renewed on or after July 1, 2020, A.R.S. 28-4009 requires $25,000, $50,000, and $15,000 of liability coverage. Uninsured and underinsured motorist coverage must be offered. They are not required.
Arizona insurers must offer UM and UIM coverage in writing, but you only get it if you ask. Here's how the offer works and why your declarations page matters.
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