Three insurance limits. Three different questions.

Arizona's minimum liability coverage is $25,000 per person, $50,000 per crash for bodily injury or death, and $15,000 for property damage. These limits apply to policies issued or renewed from July 1, 2020, under A.R.S. § 28-4009.

$25,000

Injury or death
Per person

$50,000

Injury or death
Per crash

$15,000

Property damage
Separate limit

Keep the labels beside the figures. The middle number does not mean $50,000 for every injured person, and the property figure is not extra bodily injury coverage. This separation matters when more than one person was hurt.

The statutory minimum does not establish what any particular driver bought. Ask which policy applies and what its actual limits are. Do not assume that an insurance card lists the full coverage terms, or that seeing “25/50/15” answers every question about the claim.

Arizona uses an at-fault insurance system rather than a PIP no-fault system. A coverage limit is not a finding about who caused the collision. Keep those questions separate when you speak with an insurer.

Make one list for injury-related records and another for damaged property. In the first, record provider names, visit dates, bills and missed work. In the second, place vehicle photographs, repair estimates and receipts. Keep the original documents behind each entry.

A combined total can conceal which limit you are asking about. Use separate columns for a bill, an estimate and a payment already received. Mark an amount as unknown when you do not yet have the document; avoid filling the gap with a guess.

Write the crash date, location, investigating agency and report number on the front of your file. Tucson Police collision reports are available for purchase through Crashdocs. The Pima County Sheriff has its own report request process. DPS holds reports for collisions its troopers investigated on interstates and state highways.

Use the agency named on your paperwork rather than choosing an office from the nearest mailing address. Save the report request confirmation with your insurance correspondence so the documents remain tied to the same event.

Ask the insurer to identify the claim number, applicable coverage, stated limits and documents it still needs. Keep its written response. If a number is unclear, quote the exact wording and ask for an explanation rather than translating it yourself.

When the policy questions lead to a wider claim question, this Tucson car accident claims guide offers a local starting point. Bring the policy information and your separate cost lists to any discussion.