AZ HB2155

Amends Arizona motor vehicle insurance law to allow insurers to nonrenew policies at a limited rate (no more than one-half of one percent annually) if the named insured or regular drivers have had three or more at-fault accidents within 36 months with property damage exceeding a threshold amount adjusted annually by the Department of Insurance.

Exempts insureds with at least ten consecutive years of standard bodily injury coverage with the same insurer from nonrenewal due to accident history.

Defines "at-fault" as being at least fifty percent responsible for an accident and establishes a dispute resolution process allowing insureds to object to nonrenewal determinations within ten days, with the director able to order policy reinstatement if violations are found.

Increases notice requirement for nonrenewal under the new subsection E provision from ten days to forty-five days before the effective date of nonrenewal.

Allows insurers to transfer up to one percent of policies annually to affiliated insurers based on driving records, subject to restrictions on excluded or transferred individuals and rate calculations.