You just watched what happened to Darren. He tapped "Agree" on a 6 a.m. renewal text, and his deductible went from $500 to $2,000. Then a driver caused his crash in a haboob and vanished, and Arizona law let the defense put 60% of the blame on that empty chair. Arizona put 12 walls between him and a fair fight, and got 1 thing right out of 13. That's a failing grade. Sign now and tell Arizona's leaders: stop protecting insurance companies and start protecting drivers.

Darren fixes air conditioners in Mesa. At 6:02 a.m., his agent texted him: "Renewal time. Tap to sign, I saved you nine bucks a month." Forty-three pages. He tapped "Agree" in seventeen seconds. On page 31, his deductible went from $500 to $2,000 and his rental car coverage was gone. His insurer was First Acceptance (allegedly).

Then, in a haboob on the I-10 near Casa Grande, a gray sedan swerved in front of him, braked and vanished. The rented RV behind him didn't stop. A broken wrist, $18,000 in medical bills and $11,800 in lost pay. The RV driver was insured at Arizona's minimum limits by First Acceptance (allegedly), and the defense put 60% of the fault on the car nobody can find. His own totaled van was valued at $3,350, minus the new deductible: a check for $1,350. Vans just like his were for sale in Mesa for $7,400 on average. After twenty-two months of "under review," he filed with two days to spare, then got a $14,000 offer with a 20% penalty hanging over him if he said no.

Darren is a character in our story. The 12 barriers he hit are real Arizona law:

1. Your tap on "Agree" counts as your signature if it was your act (Arizona's Uniform Electronic Transactions Act, adopted in 2000).
2. If you had the chance to read a contract, you can't get out of it by saying you didn't.
3. Money you paid knowing the facts, with no fraud or duress, generally stays paid.
4. Keep the policy after you know what changed, and the company can say you approved it.
5. The defense can blame someone who isn't even in the case, like a driver who vanished: the empty chair (A.R.S. § 12-2506(B), since 1987).
6. Each defendant pays only its own share, so the share blamed on the missing driver goes unpaid (A.R.S. § 12-2506(A)).
7. You can't sue the at-fault driver's insurer for how it handled the claim. You have to go through the driver.
8. Arizona's unfair claim practices law says, in writing, that it doesn't give you the right to sue (A.R.S. § 20-461(D)). Only the Department of Insurance and Financial Institutions can enforce it.
9. To prove bad faith, you must show the company acted unreasonably and knew it, and a value it can call "fairly debatable" is its first line of defense.
10. Punitive damages need clear and convincing proof of the company's "evil mind." Not just a bad offer.
11. You have two years to file an injury case, and months spent "under review" don't stop that clock (A.R.S. § 12-542).
12. Turn down a formal offer and get a lower judgment, and you pay a penalty: 20% of the difference (Ariz. R. Civ. P. 68(g)).

The one thing Arizona got right: its constitution says no law can cap what you recover for an injury, and you can sue your own insurer when it unreasonably and in bad faith refuses to pay. One out of thirteen.

WHAT WE ASK:
We ask Gov. Katie Hobbs, AG Kris Mayes, Director Chuck Bassett, Sen. J.D. Mesnard, Rep. Jeff Weninger, Sen. Wendy Rogers, Rep. Quang Nguyen and every Arizona state legislator to:
1. End the empty-chair rule, or make sure the injured person is never left holding the missing driver's share.
2. Restore joint and several liability so an injured driver can be made whole.
3. Give drivers the right to sue under Arizona's unfair claim practices law.
4. Let injured people hold the at-fault driver's insurer responsible for how it handles their claim.
5. Require a clear, separate notice and a real signature before any renewal raises a deductible or drops coverage.
6. Pause the two-year clock while an insurance claim is "under review."
7. End the 20% offer penalty for everyday people facing insurance companies.

This isn't one bad agent. It's a system that makes fighting back too expensive for working people. Arizona drivers are required by law to buy insurance. Arizona law should protect them when that insurance doesn't.

Arizona votes for governor on November 3. We are watching how you vote.

Darren isn't real. These Arizona laws are VERY real.

Sign this petition, then call your lawmakers: every Arizona lawmaker's number is free at the link in bio (https://linktr.ee/thepeoplehavespoken1