For an ordinary Arizona personal-auto liability policy issued or renewed under the current minimums, which limits apply?
Correct answer: $25,000 per injured person, $50,000 per crash, and $15,000 property damage
The current statutory liability minimums are 25/50/15: bodily injury or death for one person, for two or more people in one crash subject to the per-person limit, and property damage to others. These are legal minimums, not a promise that every loss is covered.
Source: Arizona Revised Statutes 28-4009, subsection A(2)(b). ↗
You damage your own car in a crash. Does meeting Arizona's minimum liability requirement guarantee payment to repair your car?
Correct answer: No; liability minimums do not guarantee own-car repairs
The required liability coverage addresses liability to others. Arizona does not require that liability policy to cover damage to property owned by the insured. Do not confuse mandatory liability with coverage for damage to your own vehicle.
Source: Arizona Revised Statutes 28-4009, subsection C(4)(c). ↗
You prepare to drive a car on an Arizona highway. What financial-responsibility evidence should be available in the vehicle?
Correct answer: Current proof applicable to that vehicle
Current proof of financial responsibility applicable to the vehicle must be in the vehicle. A registration receipt is not a substitute, and an old card does not establish current coverage.
Source: Arizona Revised Statutes 28-4135, subsection B. ↗
During a traffic stop, you can display current, applicable proof of insurance on your phone but have no paper card. Is electronic display permitted?
Correct answer: Yes; Arizona permits proof on a wireless device
Arizona expressly permits proof of financial responsibility to be displayed on a wireless communication device. The proof still needs to be current and applicable to the vehicle.
Source: Arizona Revised Statutes 28-4135, subsection B. ↗
You registered a car today but have not established insurance or another legally accepted form of financial responsibility. May you drive it on an Arizona highway?
Correct answer: No; registration does not create a coverage grace period
A vehicle operated on an Arizona highway must have the required financial responsibility. A deadline for submitting proof to MVD does not authorize driving without coverage.
Source: Arizona Revised Statutes 28-4135, subsection A. ↗
A policy has a valid written exclusion naming a particular driver. The owner then gives that person permission to borrow the car. Does permission alone remove the exclusion?
Correct answer: No; permission alone does not undo the written exclusion
Arizona permits an insurer and named insured to agree in writing to exclude a named person. An owner's permission to drive does not itself remove that policy exclusion; do not assume a permitted borrower is covered despite it.
Source: Arizona Revised Statutes 28-4009, subsection A(3). ↗
MVD requires an SR-22 filing from your insurer. What is the filing?
Correct answer: A certificate proving the required insurance coverage
An SR-22 is proof of required coverage filed with MVD by the insurer. It does not replace the underlying insurance policy.
Source: ADOT, Future Financial Responsibility (SR-22) — What is Future Financial Responsibility? ↗
Your insurer cancels your Arizona auto policy. Should you assume MVD will be unaware until you renew the registration?
Correct answer: No; insurers report cancellations to MVD
Insurers report policy changes, including cancellations, non-renewals and new policies. Check an insurance-status notice and resolve any coverage problem rather than assuming registration alone proves insurance.
Source: ADOT, Insurance Information and Requirements — Keeping Your Insurance Information Current. ↗
A crash you were driving in injures someone. When must you notify the appropriate police, sheriff or highway patrol?
Correct answer: Immediately, using the quickest available communication
A driver in an injury or fatal crash must give notice immediately by the quickest means of communication. Exchanging details with the other driver does not replace notifying the appropriate authorities.
Source: Arizona Revised Statutes 28-666, subsection A. ↗
After a freeway crash, no serious injury or death is apparent. Your car can be driven normally to a safe shoulder without extra damage or danger. Must you wait for police before moving it out of traffic?
Correct answer: No; move it to a safe refuge off the traveled roadway
Arizona's quick-clear rule applies on the specified highways when no serious injury or death is apparent and the car can safely be driven normally without a tow or additional hazard. In those conditions, move it out of the main traveled roadway.
Source: Arizona Revised Statutes 28-674, subsections B and C. ↗
After a minor freeway crash, your car's damaged steering makes it unsafe to drive normally. What does the quick-clear rule mean here?
Correct answer: Do not force an unsafe car to move under its own power
The ordinary quick-clear duty requires a vehicle that can be moved safely and driven normally without additional hazard. Unsafe steering fails those conditions; seek appropriate assistance rather than attempting a dangerous move.
Source: Arizona Revised Statutes 28-674, subsection C. ↗
You safely move a car after a qualifying minor freeway crash, following Arizona's quick-clear rule. Does moving it before police arrive, by itself, make you at fault for causing the crash?
Correct answer: No; that move alone does not establish fault
A driver or other person who removes a vehicle as permitted by this section is not considered at fault for causing the accident solely because the vehicle was moved before law enforcement arrived.
Source: Arizona Revised Statutes 28-674, subsection E. ↗
You have moved safely onto the shoulder after a minor collision. May you now leave without completing the required exchange of information?
Correct answer: No; moving does not end the crash-information duties
Quick clearance does not relieve a driver of the duty to stop, provide required information, or make required reports. Moving to safety and fulfilling crash duties are separate steps.
Source: Arizona Revised Statutes 28-674, subsection F. ↗
Your car damages a fence legally beside a highway, and nobody is injured. What must you do about the property owner?
Correct answer: Take reasonable steps to locate and notify the owner
Take reasonable steps to locate and notify the owner or person in charge. Provide the fact of the accident, your name and address, and the vehicle registration number; show your driver license if requested.
Source: Arizona Revised Statutes 28-665, subsection A. ↗
Your car is involved in an injury crash in a privately owned parking area. Does the stop-and-remain duty apply there?
Correct answer: Yes; the injury-crash duty covers private property too
Arizona's injury-crash law applies on public or private property. Stop immediately at or near the scene, return immediately if you stopped nearby, and remain until the required information and assistance duties are fulfilled.
Source: Arizona Revised Statutes 28-661, subsection A. ↗
An authorized officer directs you to stop while controlling traffic. The signal facing you is green. What should you do?
Correct answer: Obey the officer's lawful traffic direction
Do not willfully refuse a lawful traffic order from an officer authorized to direct traffic. A green light does not authorize ignoring the officer controlling the movement.
Source: Arizona Revised Statutes 28-622, subsection A. ↗
