Is Motorcycle Insurance Required in Arizona?

Arizona requires all motorcyclists to carry insurance before driving on public roads. The state requires every motorist to have a minimum amount of insurance, with the option to carry additional policies.

Arizona motorcycle insurance can provide compensation in the event of an accident. You can learn more about insurance laws and how to file a claim after a crash with a Phoenix motorcycle accident lawyer.

What Motorcycle Insurance does Arizona Require?

Arizona requires all motorists to carry mandatory insurance. Individuals must carry some form of liability insurance if they operate any motor vehicle on a public roadway. Additionally, the insurance has to come from a company authorized by the state. 

Arizona has set up minimum required levels of liability insurance. Under the state’s laws, motorcyclists must carry a minimum of:

• $25,000 of bodily injury coverage for a single person
• $50,000 of bodily injury coverage for two or more people
• $15,00 of property damage coverage 

Remember, motorcycle insurance is required in Arizona, so it’s essential to meet these minimum levels. 

Motorcyclists can pick the company they want to work with when purchasing Arizona motorcycle insurance. Some companies have better rates than others, so it’s essential to research all options before buying a policy. 

Can You Buy Other Forms of Motorcycle Insurance?

Motorcyclists and other motorists have the option to purchase additional insurance to get coverage beyond the minimum. You can work with an insurance representative to decide on the right amount of coverage for your situation. 

Some motorcyclists also purchase other policies, like uninsured/underinsured motorist coverage. This kind of coverage kicks in if you end up in an accident with someone who doesn’t have sufficient insurance. 

Keep in mind that while motorcycle insurance is required in Arizona, the state does not require you to carry uninsured/underinsured motorist coverage. 

For a free legal consultation, call 866-499-8989

What Happens to Motorcyclists Who Drive Without Insurance?

The legal implications of driving without insurance in Arizona can include fines and a potential license suspension. Generally, drivers face harsher penalties if they have a record of driving without insurance. 

Additionally, motorists who drive without insurance will not have help paying for the costs associated with an accident. 

Will Insurance Pay for Your Losses After a Motorcycle Accident?

An Arizona motorcycle insurance policy may cover the costs of a collision. Generally, the party responsible for causing the crash has to pay for all losses associated with the accident, often from their insurance policy. 

Therefore, if someone else strikes you, you may get compensation from their insurance company. A Phoenix personal injury lawyer can help you file this claim and represent you during negotiations with the insurance company. 

While all drivers in Arizona must carry insurance, insurance companies may try to deny claims. A lawyer can step in to help in this situation, pushing back on unfair offers and representing a client’s best interests.  

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What Losses Will Motorcycle Insurance Cover?

You may request fair compensation for all the losses caused by an accident through the at-fault driver’s motorcycle insurance policy. In many cases, insurance provides coverage for medical expenses, which may include:

• Emergency care at the scene of an accident
• Transportation to a medical facility 
• Time in the emergency room or ICU
• Medical tests to diagnose your injuries
• All required medical procedures 
• Over-the-counter and prescription medications
• Physical therapy and rehabilitative care

Insurance companies may also need to cover vehicle repair bills. If the accident caused enough damage, the company may have to pay for a replacement vehicle. 

A lawyer can track all of these expenses to ensure you get maximum damages following a motorcycle accident. 

Lawyers May Also Help with Non-Economic Damages

Some motorists qualify for funds to cover the non-economic effects of an accident. For example, you may work with an attorney to request compensation for your pain, emotional anguish, and mental suffering. 

Your lawyer may also focus on securing funds to cover your lost pay and diminished earning potential in some cases. You may have to file a lawsuit to get access to all of these damages in Arizona. 

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Can You Sue a Driver Without Motorcycle Insurance?

Your lawyer may help you file a personal injury lawsuit against a motorcyclist without insurance who caused an accident. However, drivers without insurance may not have the money to fully cover your losses.

Therefore, a Phoenix insurance claims lawyer may investigate other options, such as an underinsured/uninsured motorist policy through your insurance.

You can discuss all available methods to secure compensation by reaching out to a personal injury law firm. 

Find Out More About Arixona Motorcycle Insurance Requirements 

Is motorcycle insurance required in Arizona? Yes, our state requires you to carry insurance if you operate a motorcycle. Our team at Zanes Law can provide more information about Arizona motorcycle insurance and help you file a claim after a collision. 

We have over two decades of legal experience and can guide you through the legal process. Find out more by calling or completing our online contact form.

Call or text 866-499-8989 or complete a
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