Source checked: July 14, 2026. This page is general information, not legal advice.
What 25/50/15 means
The numbers are shorthand for bodily injury and property damage limits. The policy may provide up to $25,000 for bodily injury or death of one person, up to $50,000 total for bodily injury or death of two or more people in one accident, and up to $15,000 for property damage.
Why minimum limits may not be enough
A serious crash can produce ambulance bills, emergency care, imaging, surgery, physical therapy, missed work, and future treatment. A minimum policy can run out before the injured person knows the full medical picture.
| Issue | What to do |
|---|---|
| UM/UIM coverage | Arizona insurers must offer uninsured and underinsured motorist coverage under ARS 20-259.01. Check your declarations page. |
| Medical proof | Do not value the claim before the diagnosis, treatment plan, and work restrictions are clear. |
| Settlement release | A release can close the claim even if later treatment becomes necessary. |
Where this fits on the site
This support article backs up the Arizona car accident lawyer guide and explains why coverage analysis matters early.
Talk through the facts before you sign anything.
If the at-fault driver’s limits do not cover medical bills, lost income, or future care, coverage review becomes one of the first jobs.
Sources checked
FAQs
What is the minimum car insurance required in Arizona in 2026?
For most policies issued or renewed after July 1, 2020, Arizona minimum liability coverage is 25/50/15.
Can I still have a claim if the at-fault driver has low limits?
Yes. The claim may involve the driver’s liability coverage, your own UM/UIM coverage, medical payments coverage, or other available coverage depending on the facts.
