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Understand what your policy protects
ArkShields offers a full spectrum of auto coverage options including liability, collision, comprehensive, uninsured/underinsured motorist, and roadside assistance. We work with you to build a policy tailored to your driving habits and budget.
Yes. Arizona law requires all drivers to carry a minimum level of liability insurance. This covers bodily injury and property damage you cause to others in an at-fault accident. Our advisors can explain the minimum requirements and help you decide if higher limits are right for you.
Comprehensive coverage protects your vehicle from non-collision events such as theft, vandalism, hail, fire, flooding, and falling objects. It works alongside collision coverage to provide broad protection for your vehicle.
Rental reimbursement coverage can be added to your ArkShields policy. This helps pay for a rental vehicle while your car is being repaired after a covered claim. Contact us to confirm if this option is included in your current plan.
Generally, your auto insurance follows the vehicle rather than the driver. If you give someone permission to drive your car, your coverage typically applies. However, exclusions may apply to excluded drivers or household members not listed on the policy. Speak with your advisor for specifics.
Filing and managing your claim
You can file a claim by contacting our support team by phone at +1 (480) 790-7634 or by emailing janos@arkshields.com. Have your policy number, date and location of the incident, and any documentation such as photos or a police report ready to speed up the process.
Processing times vary depending on the complexity of the claim. Straightforward claims are often resolved within a few business days, while claims requiring investigation or appraisal may take longer. We keep you informed at every step of the process.
A claim can affect your premium depending on the type and your claims history. At-fault accidents are more likely to result in a rate increase than a comprehensive claim such as weather damage. Your advisor can walk you through how a specific claim may impact your rate.
First, make sure everyone is safe and call emergency services if needed. Exchange information with the other driver, document the scene with photos, and get a copy of the police report if one is filed. Then contact ArkShields as soon as possible to start the claims process.
In most cases, yes. You generally have the right to choose a repair facility. We can also connect you with preferred repair shops that meet our quality standards and may help expedite the process. Your claims advisor will guide you through the options available under your policy.
Payments, premiums, and billing cycles
ArkShields accepts major credit and debit cards as well as bank transfers. You can choose to pay monthly, semi-annually, or annually. Paying in full often results in a lower overall premium. Contact our billing team to set up the arrangement that works best for you.
If a payment is missed, you will typically receive a notice with a grace period to make the payment before your policy is cancelled. We encourage you to contact us right away if you anticipate difficulty making a payment so we can explore options together.
In many cases, yes. Contact our billing department and we will do our best to accommodate a due date that aligns better with your schedule. Availability may depend on your billing cycle and insurer.
If you cancel your policy before the end of the term, you may be entitled to a pro-rated refund for the unused portion of your premium, minus any applicable fees. The exact amount depends on your policy terms and the reason for cancellation.
Some changes, such as adding a vehicle or driver mid-term, may involve an endorsement fee or result in a premium adjustment. We will always be transparent about any costs before making changes to your policy.
Managing and updating your plan
Contact our team with your new vehicle's make, model, year, and VIN. We will update your policy and provide confirmation. You typically have a short window after acquiring a new vehicle during which it is automatically covered under your existing policy.
Yes. Adding a teen driver is straightforward. Because younger drivers are statistically higher risk, your premium will likely increase. We can review your current coverage and discuss options such as good student discounts that may help offset the cost.
Auto insurance requirements vary by state. If you move, you will generally need to update your policy to comply with your new state's laws. Contact us as soon as possible after a move so we can ensure your coverage remains valid and appropriate.
You can request a cancellation by contacting our team by phone or email. We may ask for a written request depending on your insurer's requirements. We recommend having a new policy in place before cancelling to avoid any gap in coverage.
Your policy will renew automatically at the end of its term unless you choose to cancel. You will receive a renewal notice in advance, typically 30 days before your expiration date, outlining any changes to your premium or coverage terms.
General information about ArkShields
ArkShields is an auto insurance service that helps drivers find, understand, and manage the right coverage for their needs. We connect you with tailored policy options, provide clear guidance, and offer ongoing support throughout the life of your policy.
ArkShields is headquartered in Phoenix, Arizona, but we can assist drivers in multiple states. Contact our team to confirm availability in your area and to learn about coverage options specific to your state.
You can reach our team by phone at +1 (480) 790-7634 or by email at janos@arkshields.com. Our office is located at 101 E Washington St, 8th Floor, Phoenix, AZ 85004. You can also use the contact form on our website.
Yes. We take data privacy seriously. Your personal information is protected in accordance with our Privacy Notice and applicable laws. We do not sell, rent, or trade your personal information to third parties for marketing purposes.
You can reach out to us directly for a consultation without needing an account. To access your policy details, manage coverage, or track claims online, creating an account via our Sign Up page gives you the most streamlined experience.
Our team is ready to help you get the answers you need. Drop us a message or give us a call.
janos@arkshields.com