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Liability limit checker: is 25/50/15 enough?

Compare your car insurance liability limits with Arizona's legal minimum and with what you would want protected if you caused a serious crash.

Tool

Your liability limits

Enter the three liability numbers from your declarations page (for example 100/300/100 means $100,000 / $300,000 / $100,000), or pick a common set.

Common limits Bodily injury per person ($)Bodily injury per accident ($)Property damage per accident ($)Umbrella policy limit, if any ($)

What a lawsuit could reach (optional)

Home equity ($)Savings and investments outside retirement accounts ($)Annual household income ($)Value of a newer vehicle you could hit ($)

ResultEnter your three liability limits

This tool calculates in your browser. Nothing you enter is sent to this website or to an insurance partner, and it disappears when you reload the page.

How it works

The checker compares your limits with Arizona's minimum of 25/50/15 under A.R.S. § 28-4009, then adds your per-accident bodily injury limit and any umbrella limit and compares the total with the home equity, non-retirement savings and one year of income you enter. It also compares your property damage limit with a vehicle value you choose.

Formula: available injury coverage = per-accident bodily injury limit + umbrella limit; shortfall = (equity + savings + one year of income) − available coverage.

Limits of this tool

This is a rough comparison, not legal advice. What a creditor can actually collect depends on Arizona exemption law, the facts of a claim and your policies' wording. Umbrella policies have their own terms and required underlying limits. One year of income is a simple stand-in for wages that could be affected; your exposure may be more or less.

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