Arizona Insurance Regulations

Overview

Arizona's Department of Insurance and Financial Institutions regulates insurance markets and protects consumers. Arizona uses a pure comparative negligence system, meaning you can recover damages even if mostly at fault, reduced by your percentage of responsibility.

Key Insurance Regulations in Arizona

• Pure comparative negligence state
• 2-year statute of limitations for personal injury and property damage
• Mandatory auto insurance: 25/50/15 minimum liability

Filing an Insurance Complaint in Arizona

If you believe your insurance company has acted unfairly or violated Arizona insurance laws, you can file a complaint with the Arizona Department of Insurance and Financial Institutions. The department investigates consumer complaints and can take enforcement action against insurers that violate state regulations.

Before filing a complaint, make sure you have documented all communication with your insurance company, including claim numbers, dates, and the names of representatives you've spoken with. The Arizona Department of Insurance and Financial Institutions typically responds to complaints within 30 days.