"28-4007 section A:
A. A person in whose name more than twenty-five motor vehicles are registered or who is required to comply with the financial responsibility requirements prescribed in article 2 of this chapter may qualify as a self-insurer by obtaining a certificate of self-insurance issued by the director as provided in this section. Which clearly limits who can self insure."
Alright, I'll humor you a bit longer. Let's pretend I don't know what I'm talking about....no no, wait.....and that you do.
This rule tells us how a commercial risk "may qualify" to self-insure. As an educated professional P&C man, please advise; where does it "clearly" limit who can/cannot self insure their personal auto?
"Reconcile this with 28-4007 section A:"
Your mixing apples and oranges. There are seperate regulations for commercial & personal auto(hard to believe isn't it?). They do not mix, nor have to be reconciled with each other.
Is this sincere, or are you purposely being dense?
"Show me how this, which I now quote for the THIRD TIME says anybody can self insure"
Oh my...It doesn't say anybody can self insure, does it? Nope, not a damn thing! I tried to tell you....I offered to help you. Your looking in the wrong place.
Oddly enough, some regulations having to do with insurance can actually be found at the Dept of Insurance. Boggles the mind, doesn't it?
Now....where does your "quote for the THIRD TIME" "clearly" limit who can/cannot self insure their personal auto?(please don't tell me you shot off your mouth yet again!! Tsk, tsk...not very professional)
It clearly limits it by giving an exlusive list. Just look at how it's written:
A person in whose name more than twenty-five motor vehicles are registered
(it starts off by naming a group of people, this might actually be non-commercial people, I suppose private citizens can have 25 cars, Don Johnson supposedly had 20 at one point)
or
(now we have a list connector indicating there's going to be at least one more group of people)
who is required to comply with the financial responsibility requirements prescribed in article 2 of this chapter
(another group of people, this one is cross referenced and you'll have to go to article to see who they are, but once you get there you see it's not every Tom, Dick and Harry on the road)
may qualify as a self-insurer
(now the meat of the biscuit).
So we have a very clear sentence structure. Those in Group A or those in Group B may do this thing. Nowhere does it state that this option is open to the general public. Were the option open to the general public you would need the list, everything between "person" and "may" could be dropped.
I'm not mixing anything 4007 isn't commercial or personal. It's general, it list who can self-insure. That list consists of people who have 25 cars and those using the vehicle for chaffeur, hauling or haz-mat duty. That list would probably only be commercial, but it's listed under "CHAPTER 9 - VEHICLE INSURANCE AND FINANCIAL RESPONSIBILITY
Article 1 - General Provisions". And lets not forget that YOU are the person that first brought up 28-4007 back on Monday, if it doesn't apply then you shouldn't have brought it up.
Oh there you go with the name calling again. I'm being very sincere. You brought up 28-4007 as proof of self-insurance, I don't read it that way. Simple parsing of English shows that it's an exclusionary list. The Dept of Insurance is nice and all, but it's regulations are laid out in the laws, I prefer to go to the root if it's available. The guy writing the FAQ might have screwed the pooch, the law is the law and AZ's insurance requirements are laid out in the Motor Vehicle subsection of the ARS. Any place else is somebody's interpretation, and unless it's case law it's really not binding.