Do You Have Enough Automobile Insurance in Arizona?
Most Arizona drivers don’t realize they’re one accident away from major financial risk. At Budge Law Firm, PLLC, we regularly help injured clients who believed they had “full coverage”—only to find out their insurance wasn’t enough when it mattered most.
What Is “Enough” Car Insurance in Arizona?
In Arizona, the minimum liability coverage required by law is:
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$25,000 for bodily injury per person
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$50,000 for bodily injury per accident
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$15,000 for property damage
This is often referred to as 25/50/15 coverage. While it meets legal requirements, it’s rarely enough to cover the true costs of a serious car accident. (A.R.S. § 28-4009)
What Happens If You’re Hit by an Uninsured or Underinsured Driver?
Unfortunately, Arizona has a high number of uninsured and underinsured drivers. If someone hits you and they don’t have enough coverage, you could be stuck with the bills—unless you have the right insurance.
We strongly recommend adding:
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Uninsured Motorist Coverage (UM)
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Underinsured Motorist Coverage (UIM)
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Medical Payments (MedPay)
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Collision and comprehensive coverage
These options provide extra protection for you and your family, regardless of who’s at fault.
“Full Coverage” Doesn’t Always Mean What You Think
Many people think “full coverage” means total protection. In reality, it often just means the legal minimums plus basic damage coverage. Ask yourself:
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Would your policy cover a serious injury or long hospital stay?
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What if the other driver has no insurance at all?
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Could you afford a totaled car without help?
If the answer is no, it may be time to review your policy.
How a Personal Injury Lawyer Can Help
If you’ve been injured in a car crash, our team at Budge Law Firm, PLLC can:
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Review your insurance coverage and advise you on your legal options
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Handle negotiations with insurance companies
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Help you pursue compensation from at-fault drivers
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Fight for your rights in court if necessary
We’ve helped Arizona clients recover millions—and we don’t get paid unless you do.
Speak With an Arizona Car Accident Attorney Today
Don’t wait until it’s too late to find out your insurance isn’t enough. Whether you’ve already been in a crash or just want to protect yourself, we can help.
📞 Call (480) 246-8050 for a free consultation.
Serving Phoenix, Tucson, Mesa, Flagstaff, and all of Arizona.