Cheap Arizona Auto Insurance
Reader’s Question:
My wife unknowingly drove without a insurance and license in Arizona. She was hit by another vehicle that ran a red light, driven by a young driver without a seat-belt. What should she expect?
Andy
Glendale, AZ
Typically even without having insurance on your vehicle, your wife should be able to make a claim against the at-fault party’s car insurance policy for the damages to your car.
Typically, if you operate a car without having your license then it is a traffic violation with limited fines ($35 to $150, depending on the state). As for the penalties for driving without a insurance or license, they are usually quite serious in the state of Arizona. Operating a vehicle without a license is a class 1 misdemeanor and penalties can include the vehicle being impounded, a court imposed fine of $300 or more, and 48 hours in jail .
If at the time of that accident you had car insurance but did not have proof of it in the car so were cited, you can show proof of valid insurance for that time period and have the charges dismissed. But if you do not show proof of insurance, the judge may issue a fine in addition to any action taken by the MVD.
Automobile Insurance Company Phoenix Arizona
Reader’s Question:
My car was hit by an ambulance in Phoenix, Arizona while it was parked. Will the ambulance be liable? I don’t wanna go straight to the police, insurance or the hospital as I might be laughed at.
Rodney
Phoenix, AZ
Hi, Rodney. Accidents with ambulances are always dicey. It is always a long process under normal circumstances, if you know what I mean. When the sirens of the ambulance are wailing, you are supposed to give way to the ambulance as they are in an emergency situation. You will be asked if didn’t you hear the siren and then it will turn out that you are the one at fault and be required to take tests or something to see if you really are fit to drive.
Anyway, in your case, you are quietly parked on a side street in Phoenix, Arizona. Now, that is a different matter altogether. More or less, you can go after them as it was clear it was the ambulance driver’s fault. However, the burden of proof is on you to show that the ambulance did hit you. You can check with the nearest hospital if the driver reported the incident, and also that way, it will make things easier as the driver indeed acknowledges that he bumped a car along the way but was not just able to stop due to the urgency of the moment. But first and foremost, report the incident to your auto insurance broker to give the “how to go about it” in more details.