Arizona § 20-103 - Definition of insurance; exceptions
Full text of Arizona Arizona Revised Statutes § 20-103 — Definition of insurance; exceptions, with citation guidance and answers to common questions.
§ 20-103. Definition of insurance; exceptions
A. For the purposes of this title, except as otherwise provided, "insurance" is a contract by which one undertakes to indemnify another or to pay a specified amount on determinable contingencies.
B. Private ambulance service contracts or private fire protection service contracts are not insurance, and this title does not apply to those contracts.
C. Charitable gift annuities that are issued pursuant to section 20-119 are not insurance and, except as provided in section 20-119, this title does not apply to agreements for those annuities.
D. Collision damage waivers are not insurance, and this title does not apply to those waivers.
E. Direct primary care agreements as defined in section 44-1799.91 are not insurance, and this title does not apply to those agreements.
F. Guaranteed asset protection waivers are not insurance, and this title does not apply to those waivers. For the purposes of this subsection, "guaranteed asset protection waiver" means a contractual agreement that is a part of or an addendum to a borrower's finance agreement wherein a creditor agrees for a separate charge to cancel or waive all or part of the amount due on the borrower's finance agreement in the event of a total physical damage loss or unrecovered theft of a motor vehicle.
Source: official Arizona text · Last verified 2026-08-27
Frequently Asked Questions About Arizona § 20-103
What does Arizona Revised Statutes § 20-103 cover?
Section 20-103 ("Definition of insurance; exceptions") is part of the Arizona Revised Statutes, the codified statutory law of Arizona. It sets out the legal rule or procedure described in the text above. Statutes are amended regularly, so always verify against the official source.
How do I cite Arizona § 20-103?
A common citation format is "Arizona Revised Statutes § 20-103" (Arizona). Legal writing may require the code abbreviation, section number, and year or edition. Match the style required by your court, professor, or publisher.
Is this the official text of Arizona law?
No. This page is for research and education and may not include the most recent amendments. For official current law, check the Arizona official source linked on this page or consult a licensed Arizona attorney.
How does Arizona § 20-103 apply to my situation?
Statutes are interpreted in context, and application depends on your specific facts. Only a licensed attorney in Arizona can advise on how this section applies to you. Contact your state or local bar association for a referral.
Sources & Verification
Not legal advice. Verify against the official source and consult a licensed attorney in Arizona.