Opinions on the contentious and complicated topic of whether or not drivers should be obliged to have auto insurance frequently depend on a number of different considerations. A lot of people support making auto insurance mandatory, mostly for budgetary and public safety concerns. Enforcing people to have auto insurance helps guarantee that they have the resources to pay for any damages or accidents they may cause while driving a car. As a result, other drivers are shielded from having to pay for the carelessness of others. Mandatory vehicle insurance is also thought to be a means of fostering a driving culture that is more accountable and responsible.

On the other hand, some argue against mandatory auto insurance, citing concerns about affordability and the potential financial strain it places on low-income individuals. In some cases, the cost of insurance premiums can be a significant burden, and individuals may struggle to meet this requirement. There are ongoing discussions about finding a balance between ensuring financial responsibility and making auto insurance more accessible to a broader range of individuals.

Ultimately, the debate involves weighing the societal benefits of ensuring financial responsibility and accountability against concerns about affordability and potential barriers to access. Striking the right balance may involve exploring alternative models or policy solutions that address both the need for financial responsibility and the challenges faced by individuals with limited financial means.

In the state of Arizona, auto insurance requirements mandate specific coverage to ensure financial responsibility for drivers. As of my last knowledge update in January 2022, Arizona follows a system known as the "tort" system, where the at-fault driver and their insurance are responsible for covering the costs of an accident. The mandatory auto insurance coverage in Arizona includes:

Liability Insurance:
Bodily Injury Liability: Coverage for injuries or death you cause to someone else in an at-fault accident.
Property Damage Liability: Coverage for damage to someone else's property in an at-fault accident.

The minimum liability coverage limits required in Arizona are typically expressed as a split limit, such as 25/50/15. This means $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $15,000 per accident for property damage.

While liability insurance is mandatory, other types of coverage, such as comprehensive and collision, are optional but may be recommended for additional protection. These coverages can help pay for damages to your own vehicle in various circumstances, including accidents, theft, or natural disasters.

It's important to note that insurance requirements can change, and it's advisable to check with the Arizona Department of Insurance or consult with an insurance professional for the most current information and guidance on auto insurance coverage in the state.