Borrowed or Rented Vehicles

NEW ADDRESS


Arizona Department of Insurance
100 North 15th Avenue, Suite 261

Phoenix, AZ  85007-2630

Starting July 1, 2020, we will be the
Department of Insurance and Financial Institutions (DIFI).


PHONE SYSTEM PROBLEMS

The State is encountering problems with its phone system not properly handling calls and dropping calls.  We apologize for any problems you encounter when trying to reach us by phone.  Our e-mail services are continuing to work well.  E-mail addresses for each area are available in the CONTACT US section of our web site 

If I borrow a car from a friend or relative for a short time while my vehicle is being repaired, will my policy cover me while I am driving the borrowed car?

The policy covering the vehicle would be primary and in most cases, your policy would cover the vehicle on an excess basis. If no policy covers the borrowed car, most companies will treat your policy as the primary coverage for the borrowed car.

What do you mean by primary and excess basis?

Primary means that policy will provide coverage first, and excess means that policy will provide coverage after the limits of the primary policy have been exhausted.

If I rent a truck to move my personal property, will my personal auto policy provide any coverage for the rental truck?

No. Most personal auto policies do not provide any coverage for the rental truck.