Car insurance is an important consideration for drivers in Arizona. In 2019, 53,809 people were injured and 982 were killed in auto accidents. Alcohol was found to be a factor in 26% of those deaths. If you have been involved in an accident, you may be considered a high-risk driver. To an insurance company, a high-risk driver is anyone who is more likely than others to file a claim. Bankrate defines a high-risk driver as a driver who has caused an accident, received a speeding ticket, been convicted of a DUI or who has had lapses in coverage. If you need high-risk auto insurance in Arizona, you may find it helpful to understand how your car insurance premiums change with various infractions, as well as learning about ways to help save money on your car insurance.
Rates for high-risk car insurance in Arizona
Auto insurance premiums are partly based on the risk of filing a future claim, so having incidents on your driving record can indicate to an insurance company that you are more likely to cause an accident in the future. If you cause an accident, get a ticket, have a DUI conviction on your driving record or have a lapse in coverage, you can expect to see an increase in your auto insurance premium. The amount of the increase will depend on the severity of the offense, as well as the other metrics of your policy, like your age, the type of car you drive and the coverages you have chosen.
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About Hutzler Law PLLC
Motor vehicle accidents are common occurrences in Arizona and result in thousands of injuries and fatalities each year. The Arizona Department of Transportation reports that in 2018 alone, 127,056 crashes were reported to law enforcement in the state. Out of those crashes, 28.73% resulted in injuries and 0.72% resulted in fatalities, injuring 53,376 people and killing 1,010. More needs to be done to reduce the number of accidents. According to a report from the Center for Internet & Society at Stanford Law School, 90% of car accidents are caused at least in part by human error.
If you have been injured in a car accident seek the advice of a car accident attorney. In Phoenix contact Hutzler Law PLLC. In the Phoenix AZ area call (602) 730-4530 or visit us at HutzlerLaw.com
Article first published on
https://www.bankrate.com/insurance/car/high-risk-auto-insurance-arizona/
Originally posted on https://hutzlerlawfirm.wordpress.com/2021/11/07/car-insurance-for-high-risk-drivers-in-arizona-3/
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