Does AZ have no-fault auto?
If there is a problem with liability insurance affordability, the solution is simple. Don’t drive
If you have an accident the damaged party insurance company will pin you to the wall until the blood is extracted that makes them whole.
no sweat, just pass out vouchers for insurance along with cell phones, food stamps, tax credits, free education, and welfare. they can be given out when people register to vote democrat. /s
A few years ago, I had some correspondence with a state Senator in Michigan about auto insurance reform.
I called it the “I don’t care about your personal problems auto insurance reform act.”
My proposal entailed eliminating the unlimited funds catastrophic care provision in Michigan for people who’s injuries outweighed their coverage. The other 49 states cap it at $250,000 after which Medicaid or something kicks in. This coverage adds $200 or so per year per car.
Then, I wanted 5-10 year jail sentences for driving without insurance. One or two people get publicly jailed for this, people will either get insurance, take the bus or walk.
Of course, it got nowhere. He readily admitted in writing that his fellow legislators simply didn’t care.
The current amounts in AZ are paltry compared to what most states require.
Just another sob story about how it hurts the poor. They can park their old chokin’, smokin’, oil burners and walk or ride the bus.
We are a nation of equal opportunity, not equal outcome. Nobody has the right to endanger others without the means to at least in part compensate for that.
Geez, my father made me buy 100/300,000 back in 1976.
I live in N Nevada.
MY vehicle insurance is $100,000/300,000 bodily injury
$100,000 Property damage
$25,000 Medical payments
MY premiums have gone up substantially since the Nevada Legislature voted to allow illegals to have driver’s licenses in 2015. My Uninsured motorist coverage premium has gone from 27% of my total premium to 48% of my premium.
Also have a separate policy on my 4 horse trailer. Collision & Comprehensive costs me about $78 annually. WHY? Because if anything happens to the trailer, I cannot just go right back out & buy another one.
This one has custom hay rack (12+ X 6+) on the roof, a 360 degree winch for lifting bales of hay or bags of cubes/pellets to the roof & multiple inside & outside lights for loading/unloading/ or saddling in the dark for long distance horse endurance events where the 100 mile events often started in the dark. Interior of tack room has extra hooks & hangers & a spin-out rack for 3 saddles.
This is meaningless to many people. A AAA report several years ago said 10% of the drivers in the DC area didn’t carry insurance, and nearly as many didn’t even have a valid license.