Kimberly Sayre
Board-Certified Specialist: Injury & Wrongful Death Litigation
Phone pending
About Kimberly Sayre
Kimberly Sayre is an insurance law attorney in solo practice serving clients in Arizona, Arizona. Arizona insurance law is codified in Title 20 of the Arizona Revised Statutes and overseen by the Arizona Department of Insurance and Financial Institutions, covering bad-faith claims handling under Noble v. National American Life, coverage disputes, agent and broker liability, and the state's Unfair Claims Settlement Practices regulations. Contact details appear below.
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Education
- Law School: Saint Thomas
Common questions about Insurance Law in Arizona
Answered by Arizona Attorney Search Network
What are the minimum auto insurance limits in Arizona?
Under ARS § 28-4009, Arizona requires minimum bodily injury liability coverage of $25,000 per person / $50,000 per accident, plus $15,000 property damage liability (the '25/50/15' minimums, increased from older minimums in 2020). These are the floor; experts generally recommend 100/300/100 or higher given the cost of medical care and the prevalence of underinsured drivers.
What is bad faith insurance in Arizona?
Bad faith is an insurer's breach of the implied covenant of good faith and fair dealing - typically by unreasonably denying or delaying payment of a covered claim. Arizona recognizes a tort cause of action for bad faith following Noble v. National American Life, 128 Ariz. 188 (1981), and successful plaintiffs can recover compensatory damages, emotional distress damages, and (for intentional or knowing bad faith) punitive damages.
How long do I have to file an insurance claim in Arizona?
Depends on the policy and the type of claim. Most insurance policies require prompt notice of claim - often within 30-60 days of the loss - and many establish contractual limitation periods (commonly 1-2 years for bringing suit). Arizona's general written-contract statute of limitations is 6 years (ARS § 12-548), but policy provisions setting shorter limits are typically enforceable if reasonable.