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Was Arizona agent negligent for not obtaining UM/UIM coverage?

An insured rejects uninsured motorist coverage and files suit for negligence against insurance agent in this Arizona Supreme Court case.

By Barry Zalma, Esq., CFE | Updated on August 03, 2016

In Arizona, like most states, a statute requires that an insurer offer each insured both Uninsured Motorist (UM) and Underinsured Motorist (UIM) Coverage.

The statute says that the coverage can be excluded only if the insured signs a document specifically rejecting the coverage. Insurers can prove compliance with the statute by having their insureds sign a form approved by the Arizona Department of Insurance (DOI) selecting or rejecting such coverage.

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