Liability, Comprehensive, Collision...

Uninsured motorist, glass, and rental reimbursement.

What do all of these have in common? Well other than costing an arm and a leg, they are all options people can opt for when purchasing auto insurance. Liability is the only one anyone must carry.

Liability insurance protects, you the driver, and the other driver from the financial burden that comes with an accident. If you carry liability insurance and rear end someone on your way to work, your insurance company will pay for your mistake, however they will not fix your car or help you. They will deal with the other drivers insurance company in court if necessary and pay for the damage to their vehicle. You however, are left with a smashed up car or even worse...

If you carry comprehensive and collision insurance on your policy you are in a little better shape. Your insurance company will pay to fix your car, if it is repairable, and if it is not, they are supposed to compensate you for the loss of the vehicle. Uninsured motorist insurance is just a scam, period. And the other two are self explanatory.

Back to the point...

In the state of Arizona, and in most states across the nation it is illegal for a person to drive without auto insurance. If you are pulled without insurance you are normally fined, but in some extreme situations your car can even be taken from you.

Arizona Auto Insurance Laws

Arizona requires that every motor vehicle operated on the roadways be covered
by one of the statutory forms of financial responsibility. To comply with the
financial responsibility laws, most drivers purchase automobile liability
insurance. This includes golf carts, motorcycles and mopeds.

Arizona minimum levels of financial responsibility are: • $15,000 bodily
injury liability for one person and $30,000 for two or more persons; • $10,000
property damage liability http://www.superiorcarinsurance.com/CarInsurance/arizona.html

What is the problem with this you might ask. Doesn't this law protect the public?

In some circumstances yes, it does. Actually, in most circumstances it does. The problem with the law is that the states are forcing individuals to purchase a service from a private company without any real regulations on the price of said service. All of this while allowing the insurance companies to practice age and class discrimination.

I believe the state is unjustly forcing the people to adhere to a law that benefits a private business. They allow the insurance companies to set the rates of their insurance based on statistics the company finds appealing. As the citizen we are forced to buy this service from the insurers because of a government regulation.