Lack of Current Auto Insurance is Punishable by Law
Vehicle Registration and/or Driver License will be suspended unless viable proof of applicable liability insurance can be displayed upon request. Aside from that, this penalty will be followed by both short-term and long-term financial penalties. Reinstatement of revoked driver license fees, clerk fees / office fees, test fees, legal fees, CAD fees, MVD (Motor Vehicle Division) fees, suspended driver license fee, duplicate driver license fee, additional clerical office fees for testing and legal fees, and then, unless no more hidden fees follow, the parking fees required for the extra time it has taken to pay all the fees constitute the financial fees that will immediately follow. Or perhaps that “mandated payment” will make up that last step before that unfinished paperwork will be processed. In other words, it’s less the expense, excludes the time waste, and altogether is downright better to avoid the offense from the start.
The same Minimum Insurance Requirements exist:
Vehicle Registration and/or Driver License will be suspended unless viable proof of applicable liability insurance can be displayed upon request. Except, of course, in the case of fleeing the scene of a crime, which rarely ever, it at all, works out in the driver’s favor; so it’s not advisable. Aside from that, this penalty for lack of Vehicle Registration and/or Driver License will be followed by both short-term and long-term financial penalties. Reinstatement of revoked driver license fees, clerk fees / office fees, test fees, legal fees, CAD fees, MVD fees, suspended driver license fee, duplicate driver license fee, additional clerical office fees for testing and legal fees, and then, unless no more hidden fees follow, the parking fees required for the extra time it has taken to pay all the fees constitute the financial fees that will immediately follow. So perhaps that “mandated renewal payment” should make up that last step before that unfinished paperwork will be processed. In other words, it’s less the expense, excludes the time waste, and is altogether downright better to avoid the offense from the start.
Minimum Insurance Requirements
Proof of insurance will be required any time a driver is pulled over in the state of Arizona, and the Motor Vehicle Division will request it before registering an automobile. The driver must be insured for $15,000, in case of bodily injury liability, while two people must be insured for $30,000. The Arizona Department of Transportation also has a $10,000 minimum coverage requirement for property damage. And this is not taken lightly. All insurance companies are legally required to inform the MVD upon cancellation or failure of renewal regarding liability coverage.
De-Insured Vehicles
In any case of a mobilized vehicle, an application for permission not to insure an unused vehicle should be filed as an Insurance Requirement Exemption with the Arizona Department of Transportation [https://www.azdot.gov/mvd/vehicle/DeInsuredCertificate/default.asp].
However, Arizona state law does not require vehicles to be insured if they are not in use, even if on the roadways for purposes of storage or restoration. Even with a resident inside.
Nevertheless, if any type of homeowners insurance, renters insurance, mobilized auto insurance, or any other type of insurance that would compensate for any value of the vehicle could be attributed in the case of theft or robbery or vandalism, if the vehicle is indeed of any documented worth whatsoever, then the vehicle owner is advised to file the Insurance Requirement Exemption form.
