How Long Does DUI Affect Auto Insurance Rate in Arizona?
Reader’s Question:
How long does a DUI conviction will affect my auto insurance rates in Arizona?
Ashton
Tucson, AZ
The Arizona Division of Motor Vehicles states that any convictions received and showing on your driving record within the past 39 months will be provided to an insurance carriers who requests a copy of your MVR.
The DPPA requires you to have a “permissible use” for requesting and receiving an MVD record which contains personal identifying information like a photograph/image, person’s driver license, social security number, driver license number, address, name and medical/disability information.
It will depend upon the rating system and the look back period of your insurance provider to know how long your car insurance rates will be affected by a DUI you were convicted of. If your insurance company can see the DUI on your MVR for 39 months then it will likely that you will have higher insurance rates during this entire period.
What Does Uninsured Motorist Insurance Cover in Arizona
Reader’s Question:
In Arizona, what does uninsured motorist insurance cover?
John
Phoenix, AZ
The Arizona Department of Insurance states that Uninsured Motorist coverage protects you or passengers in your car for bodily injury you or your passengers sustain in an accident involving a motorist who has no liability coverage.
In Arizona, there is also Underinsured Motorist coverage which protects you or passengers in your car for bodily injury you or your passengers sustain in an accident involving a driver who has insufficient insurance to cover the injuries of you or your passengers.
Uninsured motorist coverage (or UM) provides coverage for your loss of earnings ,medical bills, pain and suffering if you suffer injuries as a result of a negligent driver who lacks liability insurance, including a hit-and-run motorist. Underinsured motorist coverage (or UIM) provides coverage in the event that your damages exceed the negligent motorist’s liability coverage.
