Digital Auto ID Cards in Arizona

Enclosed is the AZ state law that states that your auto proof of insurance on you have on your cell phone is legal proof of insurance.


Arizona State Law ARS 28-4135B

ARS 28-4135B. A person operating a motor vehicle on a highway in this state shall have evidence within the motor vehicle of current financial responsibility applicable to the motor vehicle. The evidence may be displayed on a wireless communication device that is in the motor vehicle. If a person displays the evidence on a wireless communication device pursuant to this subsection, the person is not consenting for law enforcement to access other contents of the wireless communication device.

State minimum auto insurance coverage

15,000/30,000/10,000 verses 25,000/50,000,25,000

Recently, the state of Nevada increased their state minimum auto coverage from 15,000/30,000/10,000 to 25,000/50,000/25,000. What that means is if you are in a car accident in Nevada and the other party is at fault, there is now $25,000 per person to cover your injuries, instead of $15,000 per person and $25,000 in property damage to cover damage to your car instead of just $10,000.

$10,000 in property damage is barely enough to cover a bumper and a fender on many new cars due to increase safety features such as automatic braking sensors, cruise control auto sensors and parking assist sensors.

PLEASE, Arizona, follow suit and do the same changes.

Car backing into another car accident

When you are driving in a parking lot, be careful to watch for people backing out of parking spots that may or may not see you in their blind spot. In most cases, if you do not "honk your horn" to signal the other car that they are backing into your vehicle, you would be considered 20% at fault for the accident. If you do signal the other car, such as honking your horn to acknowledge that you see them and they should stop before they hit your car, in most cases, they will be listed at 100% at fault and their insurance company (if they have insurance) will pay for the repair of your car.

The key here is that you see them backing into your car and someway notify them to stop, like honking your horn.