Lazaro Yoshioka's blog ::Eight years, or one complete term limits cycle, worth of blogging

Lazaro Yoshioka's blog ::Eight years, or one complete term limits cycle, worth of blogging

Ｉｆ               ｙｏｕ               ａｒｅ               ｄｒｉｖｅｒ               ｉｎ               Ａｒｉｚｏｎａ,               ｔｈｅ               ｒｕｌｅｓ               ａｎｄ               ｒｅｇｕｌａｔｉｏｎｓ               ｃｏｎｃｅｒｎｉｎｇ               ａｕｔｏ               ｉｎｓｕｒａｎｃｅ,               ｄｒｉｖｉｎｇ               ｌａｗｓ               ａｎｄ               ｌｉｃｅｎｓｉｎｇ               ｃａｎ               ｓｏｍｅｔｉｍｅｓ               ｓｅｅｍ               ｉｎｃｏｍｐｒｅｈｅｎｓｉｂｌｅ. Ｅａｃｈ               ｓｔａｔｅ               ｓｅｔｓ               ｉｔｓ               ｏｗｎ               ｐａｒａｍｅｔｅｒｓ,               ａｎｄ               Ａｒｉｚｏｎａ               ｈａｓ               ｏｎｅ               ｏｆ               ｔｈｅ               ｍｏｒｅ               ｃｏｍｐｌｅｘ               ｓｙｓｔｅｍｓ               ｏｕｔ               ｔｈｅｒｅ. Ｂｕｔ               Ａｒｉｚｏｎａ               ｄｒｉｖｅｒｓ               ｎｅｅｄ               ｎｏｔ               ｆｒｅｔ:               ｗｉｔｈ               ａ               ｌｉｔｔｌｅ               ｂｉｔ               ｏｆ               ｅｆｆｏｒｔ,               ａｎｙｏｎｅ               ｃａｎ               ｄｅｃｉｐｈｅｒ               ｔｈｅ               ｓｙｓｔｅｍ               ａｎｄ               ｂｅｃｏｍｅ               ａｎｄ               ｉｎｆｏｒｍｅｄ               ｍｏｔｏｒｉｓｔ               ａｎｄ               ｃｏｎｓｕｍｅｒ. Ａｒｉｚｏｎａ               ｒｅｑｕｉｒｅｓ               ｔｈａｔ               ａｌｌ               ｍｏｔｏｒｉｓｔｓ               ｂｅ               ｃｏｖｅｒｅｄ               ｂｙ               ａｕｔｏ               ｉｎｓｕｒａｎｃｅ               ａｎｄ,               ｌｉｋｅ               ｍｏｓｔ               ｏｔｈｅｒ               ｓｔａｔｅｓ,               ｉｔ               ｓｅｔｓ               ｌｉａｂｉｌｉｔｙ               ｒｅｑｕｉｒｅｍｅｎｔｓ. Ａｒｉｚｏｎａ               ａｌｓｏ               ｃｏｎｓｉｄｅｒｓ               ｇｏｌｆ               ｃａｒｔｓ,               ｍｏｔｏｒｃｙｃｌｅｓ               ａｎｄ               ｍｏｐｅｄｓ               ｖｅｈｉｃｌｅｓ               ｔｈａｔ               ｒｅｑｕｉｒｅ               ｉｎｓｕｒａｎｃｅ. Ｄｒｉｖｅｒｓ               ｍｕｓｔ               ｐｕｒｃｈａｓｅ               ａ               ｍｉｎｉｍｕｍ               ｆｏｒ               $15,000               ｗｏｒｔｈ               ｏｆ               ｃｏｖｅｒａｇｅ               ｆｏｒ               ｂｏｄｉｌｙ               ｉｎｊｕｒｙ               ｆｏｒ               ｏｎｅ               ｐｅｒｓｏｎ,               $30,000               ｆｏｒ               ｔｗｏ               ｏｒ               ｍｏｒｅ               ｐｅｏｐｌｅ,               ａｎｄ               $10,000               ｆｏｒ               ｐｒｏｐｅｒｔｙ               ｄａｍａｇｅ.                Ｉｆ               ａ               ｄｒｉｖｅｒ               ａｌｌｏｗｓ               ｈｉｓ               ｃｏｖｅｒａｇｅ               ｔｏ               ｅｘｐｉｒｅ               ｏｒ               ｉｔ               ｉｓ               ｃａｎｃｅｌｌｅｄ,               ｈｅ               ｍｕｓｔ               ｉｍｍｅｄｉａｔｅｌｙ               ｐａｙ               ｔｈｅ               ｐｒｅｍｉｕｍ               ｔｏ               ｇｅｔ               ｉｔ               ｒｅｉｎｓｔａｔｅｄ               ｏｒ               ｒｅａｐｐｌｙ               ｆｏｒ               ａ               ｎｅｗ               ｐｏｌｉｃｙ. Ｉｆ               ｈｅ               ｆｅｅｌｓ               ｔｈａｔ               ｈｉｓ               ｐｏｌｉｃｙ               ｗａｓ               ｃａｎｃｅｌｌｅｄ               ｕｎｊｕｓｔｌｙ,               ｈｅ               ｍａｙ               ｆｏｒｍａｌｌｙ               ｓｔａｔｅ               ｈｉｓ               ｃａｓｅ               ｂｙ               ｗｒｉｔｉｎｇ               ｔｏ               ｔｈｅ               ｓｔａｔｅ'ｓ               Ｄｉｒｅｃｔｏｒ               ｏｆ               Ｉｎｓｕｒａｎｃｅ. Ｉｆ               ｈｅ               ｉｓ               ｃｏｎｔｉｎｕａｌｌｙ               ｒｅｊｅｃｔｅｄ               ｆｒｏｍ               ｐｕｒｃｈａｓｉｎｇ               ｉｎｓｕｒａｎｃｅ               ｂｅｃａｕｓｅ               ｏｆ               ｈｉｓ               ｐｒｉｏｒ               ｃａｎｃｅｌｌａｔｉｏｎ,               ｈｅ               ｍａｙ               ｐｕｒｃｈａｓｅ               ｃｏｖｅｒａｇｅ               ｔｈｒｏｕｇｈ               ｔｈｅ               Ａｒｉｚｏｎａ               Ａｕｔｏｍｏｂｉｌｅ               Ｉｎｓｕｒａｎｃｅ               Ｐｌａｎ.                Ｗｈｅｎ               ｉｔ               ｃｏｍｅｓ               ｔｏ               ａｕｔｏｍｏｂｉｌｅ               ａｃｃｉｄｅｎｔｓ,               Ａｒｉｚｏｎａ               ｆｏｌｌｏｗｓ               ｔｈｅ               Ｔｏｒｔ               ｓｙｓｔｅｍ. Ｔｈｉｓ               ｍｅａｎｓ               ｔｈａｔ               ｗｈｅｎ               ａｎ               ａｃｃｉｄｅｎｔ               ｄｏｅｓ               ｏｃｃｕｒ,               ｓｏｍｅｏｎｅ               ｍｕｓｔ               ｂｅ               ｆｏｕｎｄ               ａｔ               ｆａｕｌｔ               ｆｏｒ               ｔｈｅ               ｄａｍａｇｅ. Ｔｈｅ               ａｔ-ｆａｕｌｔ               ｄｒｉｖｅｒ               ｉｓ               ｈｅｌｄ               ｒｅｓｐｏｎｓｉｂｌｅ               ｆｏｒ               ａｌｌ               ｉｎｊｕｒｙ               ａｎｄ               ｄａｍａｇｅ               ｔｏ               ａｎｙ               ｐｒｏｐｅｒｔｙ,               ｉｎｃｌｕｄｉｎｇ               ｏｔｈｅｒ               ｖｅｈｉｃｌｅｓ. Ｔｈｅ               ｖｉｃｔｉｍｓ               ｍａｙ               ａｌｓｏ               ｓｕｅ               ｔｈｅ               ａｔ-ｆａｕｌｔ               ｄｒｉｖｅｒ               ｆｏｒ               ｌｏｓｔ               ｗａｇｅｓ               ａｎｄ               ｐａｉｎ               ａｎｄ               ｓｕｆｆｅｒｉｎｇ.                Ａｕｔｏ               ｉｎｓｕｒａｎｃｅ               ｄｏｅｓｎ'ｔ               ａｌｗａｙｓ               ｃｏｍｅ               ｃｈｅａｐ               ｉｎ               Ａｒｉｚｏｎａ,               ｂｕｔ               ｉｔ               ｉｓ               ｎｏｔ               ｅｘｏｒｂｉｔａｎｔｌｙ               ｅｘｐｅｎｓｉｖｅ               ｅｉｔｈｅｒ. Ｏｎ               ａｖｅｒａｇｅ,               Ａｒｉｚｏｎｉａｎｓ               ｐａｙ               $913               ｅａｃｈ               ｙｅａｒ               ｆｏｒ               ｃｏｖｅｒａｇｅ,               ｍａｋｉｎｇ               ｉｔ               ｔｈｅ               14ｔｈ               ｍｏｓｔ               ｅｘｐｅｎｓｉｖｅ               ｓｔａｔｅ               ｉｎ               ｔｈｅ               ｎａｔｉｏｎ. Ｔｈｅ               ｎａｔｉｏｎａｌ               ａｖｅｒａｇｅ               ｉｓ               $817.                Ａｒｉｚｏｎａ               ａｌｓｏ               ｔａｋｅｓ               ｄｒｕｎｋ               ｄｒｉｖｉｎｇ               ｖｅｒｙ               ｓｅｒｉｏｕｓｌｙ. Ｌｉｋｅ               ｏｔｈｅｒ               ｓｔａｔｅｓ,               ｉｔ               ｓｅｔｓ               ａ               Ｂｌｏｏｄ               Ａｌｃｏｈｏｌ               Ｃｏｎｔｅｎｔ               (ＢＡＣ)               ｌｅｖｅｌ               ａｔ               .08%. Ｈｏｗｅｖｅｒ,               ｉｔ               ａｌｓｏ               ｄｉｓｔｉｎｇｕｉｓｈｅｓ               ｂｅｔｗｅｅｎ               ＤＵＩ               ａｎｄ               "ｅｘｔｒｅｍｅ"               ＤＵＩ. Ａ               ＢＡＣ               ｏｖｅｒ               .15%               ｉｓ               ｃｏｎｓｉｄｅｒｅｄ               ｅｘｔｒｅｍｅ. Ａｒｉｚｏｎａ               ｉｓ               ｕｎｉｑｕｅ               ｉｎ               ｔｈａｔ               ｉｔ               ａｌｓｏ               ｕｓｅｓ               ｏｔｈｅｒ               ｅｖｉｄｅｎｃｅ               ｔｏ               ｐｒｏｓｅｃｕｔｅ               ｏｆｆｅｎｄｅｒｓ. Ａｕｔｈｏｒｉｔｉｅｓ               ｍａｙ               ａｒｇｕｅ               ｔｈａｔ               ａｎ               ｏｆｆｅｎｄｅｒ'ｓ               ａｂｉｌｉｔｙ               ｔｏ               ｏｐｅｒａｔｅ               ａ               ｖｅｈｉｃｌｅ               ｗａｓ               ｉｍｐａｉｒｅｄ,               ｅｖｅｎ               ｓｌｉｇｈｔｌｙ,               ｂｙ               ｈｉｓ               ａｌｃｏｈｏｌ               ｃｏｎｓｕｍｐｔｉｏｎ.                Ｉｆ               ｙｏｕ               ａｒｅ               ａｒｒｅｓｔｅｄ               ｏｎ               ｔｈｅ               ｃｈａｒｇｅ               ｏｆ               ＤＵＩ               ｙｏｕｒ               ｌｉｃｅｎｓｅ               ｗｉｌｌ               ｂｅ               ｉｍｍｅｄｉａｔｅｌｙ               ｓｕｓｐｅｎｄｅｄ               ｐｅｎｄｉｎｇ               ａ               ｔｒａｉｌ. Ｆｉｒｓｔ               ａｎｄ               ｓｅｃｏｎｄ               ｔｉｍｅ               ｏｆｆｅｎｄｅｒｓ               ｃａｎ               ｆａｃｅ               ｈｅｆｔｙ               ｐｅｎａｌｔｉｅｓ               ｉｎ               Ａｒｉｚｏｎａ. Ｔｈｅｒｅ               ｉｓ               ｐｏｓｓｉｂｉｌｉｔｙ               ｏｆ               ｔｅｎ               ｄａｙｓ               ｏｆ               ｊａｉｌ               ｔｉｍｅ,               ａｌｔｈｏｕｇｈ               ｎｉｎｅ               ｏｆ               ｔｈｅｍ               ｍａｙ               ｂｅ               ｓｕｓｐｅｎｄｅｄ               ｉｆ               ｔｈｅ               ｏｆｆｅｎｄｅｒ               ａｇｒｅｅｓ               ｔｏ               ｅｎｔｅｒ               ｉｎｔｏ               ａｎ               ａｌｃｏｈｏｌ               ｔｒｅａｔｍｅｎｔ               ｐｒｏｇｒａｍ. Ｔｈｅｒｅ               ｉｓ               ａ               ｍｉｎｉｍｕｍ               ｏｆ               $750               ｉｎ               ｆｉｎｅｓ               ｗｉｔｈ               ａ               ｐｏｓｓｉｂｉｌｉｔｙ               ｏｆ               ｅｖｅｎ               ｇｒｅａｔｅｒ               ｓｕｒｃｈａｒｇｅｓ. Ｆｏｒ               ｓｅｃｏｎｄ               ｏｆｆｅｎｓｅｓ               ｔｈｅ               ｄｒｉｖｅｒ               ｗｉｌｌ               ａｌｓｏ               ｈａｖｅ               ｔｏ               ｉｎｓｔａｌｌ               ａｎ               ｉｎｔｅｒｌｏｃｋ               ｄｅｖｉｃｅ,               ａｔ               ｈｉｓ               ｏｗｎ               ｅｘｐｅｎｓｅ. Ａｎ               ｉｎｔｅｒｌｏｃｋ               ｄｅｖｉｃｅ               ｃａｎ               ｄｅｔｅｃｔ               ｔｈｅ               ｐｒｅｓｅｎｃｅ               ｏｆ               ａｌｃｏｈｏｌ               ｉｎ               ｔｈｅ               ｄｒｉｖｅｒ               ａｎｄ               ｗｉｌｌ               ｐｒｅｖｅｎｔ               ｔｈｅ               ｃａｒ               ｆｒｏｍ               ｓｔａｒｔｉｎｇ. Ｔｈｅ               ｄｅｖｉｃｅ               ｗｉｌｌ               ａｌｓｏ               ｒｅｐｏｒｔ               ｔｈｅ               ｆｉｎｄｉｎｇｓ               ｔｏ               ｔｈｅ               ａｕｔｈｏｒｉｔｉｅｓ,               ｒｅｓｕｌｔｉｎｇ               ｉｎ               ｅｖｅｎ               ｇｒｅａｔｅｒ               ｐｅｎａｌｔｉｅｓ.                Ｆｏｒ               ｔｅｅｎｓ,               Ａｒｉｚｏｎａ               ｈａｓ               ｉｎｓｔａｔｅｄ               ａ               ｚｅｒｏ-ｔｏｌｅｒａｎｃｅ               ｐｏｌｉｃｙ               ｗｈｅｎ               ｉｔ               ｃｏｍｅｓ               ｔｏ               ａｌｃｏｈｏｌ. Ｗｈｉｌｅ               ｍａｎｙ               ｏｔｈｅｒ               ｓｔａｔｅｓ               ｓｅｔ               ｔｈｅ               ｍｉｎｉｍｕｍ               ａｔ               .02%               ＢＡＣ,               Ａｒｉｚｏｎａ               ｄｏｅｓ               ｎｏｔ               ａｌｌｏｗ               ａｎｙ               ｄｅｔｅｃｔａｂｌｅ               ｔｒａｃｅ               ｏｆ               ａｌｃｏｈｏｌ               ｉｎ               ｉｔｓ               ｍｉｎｏｒｓ. Ｔｈｅ               ｆｉｒｓｔ               ｏｆｆｅｎｓｅ               ｉｓ               ｃｏｎｓｉｄｅｒｅｄ               ａ               ｍｉｓｄｅｍｅａｎｏｒ,               ｂｕｔ               ａ               ｓｅｃｏｎｄ               ｏｆｆｅｎｓｅ               ｗｉｌｌ               ｂｅ               ｃｏｎｓｉｄｅｒｅｄ               ａ               ｆｅｌｏｎｙ. Ｉｔ               ｉｓ               ａｌｓｏ               ａ               ｆｅｌｏｎｙ               ｉｓ               ａｎｙｏｎｅ               ｕｎｄｅｒ               ｔｈｅ               ａｇｅ               ｏｆ               15               ｉｓ               ｉｎ               ｔｈｅ               ｖｅｈｉｃｌｅ.                Ｔｏ               ｐｒｅｐａｒｅ               ｉｔｓ               ｔｅｅｎｓ               ｆｏｒ               ａ               ｌｏｎｇ               ｌｉｆｅ               ｏｆ               ｓａｆｅ               ｄｒｉｖｉｎｇ,               Ａｒｉｚｏｎａ               ｈａｓ               ｉｎｓｔｉｔｕｔｅｄ               ｉｔｓ               ｏｗｎ               ｖｅｒｓｉｏｎ               ｏｆ               ａ               Ｇｒａｄｕａｔｅｄ               Ｄｒｉｖｅｒ               Ｌｉｃｅｎｓｉｎｇ               (ＧＤＬ)               ｐｒｏｇｒａｍ. Ａｔ               ａｇｅ               15               ½,               ａ               ｔｅｅｎ               ｃａｎ               ａｐｐｌｙ               ｆｏｒ               ｇｒａｄｕａｔｅｄ               ｉｎｓｔｒｕｃｔｉｏｎ               ｐｅｒｍｉｔ. Ｔｈｅ               ｙｏｕｎｇ               ｄｒｉｖｅｒ               ｍｕｓｔ               ｈｏｌｄ               ｏｎ               ｔｏ               ｔｈｅ               ｐｅｒｍｉｔ               ｆｏｒ               6               ｍｏｎｔｈｓ               ａｎｄ               ｃｏｍｐｌｅｔｅ               30               ｈｏｕｒｓ               ｏｆ               ｄｒｉｖｉｎｇ               ｐｒａｃｔｉｃｅ,               ｉｎｃｌｕｄｉｎｇ               10               ｈｏｕｒｓ               ｏｆ               ｎｉｇｈｔ               ｄｒｉｖｉｎｇ. Ｔｈｅ               ｐｅｒｍｉｔ               ｉｓ               ｖａｌｉｄ               ｆｏｒ               ｏｎｅ               ｙｅａｒ. Ｏｎｃｅ               ｔｈｅ               ｔｅｅｎ               ｈａｓ               ｃｏｍｐｌｅｔｅｄ               ｔｈｅｓｅ               ｓｔｅｐｓ,               ｈｅ               ｃａｎ               ａｐｐｌｙ               ｔｏ               ｔａｋｅ               ｈｉｓ               ｒｏａｄ               ｔｅｓｔ. Ｕｐｏｎ               ｐａｓｓｉｎｇ               ｔｈｅ               ｒｏａｄ               ｔｅｓｔ,               ｈｅ               ｉｓ               ａｗａｒｄｅｄ               ｗｉｔｈ               ａ               Ｇｒａｄｕａｔｅｄ               Ｌｉｃｅｎｓｅ. Ｉｆ               ｈｅ               ｍａｉｎｔａｉｎｓ               ａ               ｃｌｅａｎ               ｄｒｉｖｉｎｇ               ｒｅｃｏｒｄ               ｕｎｔｉｌ               ｔｈｅ               ａｇｅ               ｏｆ               18,               ｈｅ               ｗｉｌｌ               ｆｉｎａｌｌｙ               ｇｅｔ               ｈｉｓ               ｕｎｒｅｓｔｒｉｃｔｅｄ               ｌｉｃｅｎｓｅ               ｗｉｔｈ               ａｌｌ               ｔｈｅ               ｒｉｇｈｔｓ               ａｎｄ               ｐｒｉｖｉｌｅｇｅｓ               ｏｆ               ａｄｕｌｔ               ｄｒｉｖｅｒｓ.                Ｒｅｓｏｕｒｃｅｓ                Ａｒｉｚｏｎａ               Ａｕｔｏ               Ｉｎｓｕｒａｎｃｅ               -               Ｍｉｎｉｍｕｍ               Ｃｏｖｅｒａｇｅ               Ｌａｗｓ,               ＤＵＩ               Ｉｎｆｏ               ａｎｄ               Ｍｏｒｅ               ｆｏｒ               Ａｒｉｚｏｎａ               Ｓｔａｔｅ                Ａｒｉｚｏｎａ               Ｔｅｅｎ               Ｄｒｉｖｉｎｇ               -               Ｄｅｔａｉｌｓ               ａｂｏｕｔ               Ｇｒａｄｕａｔｅｄ               Ｄｒｉｖｅｒ               Ｌｉｃｅｎｓｉｎｇ               ａｎｄ               Ｍｏｒｅ               ｆｏｒ               Ｔｅｅｎ               Ｄｒｉｖｅｒｓ               ｉｎ               Ａｒｉｚｏｎａ

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