Ariz. Rev. Stat. » Title 20
Arizona Revised Statutes

Ariz. Rev. Stat. § 20-1118 (2026)

Validity of noncomplying forms

✓ current as of May 2026
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Any insurance policy, rider or endorsement issued after January 1, 1955 and otherwise valid which contains any condition or provision not in compliance with the requirements of this title shall not be thereby rendered invalid but shall be construed and applied in accordance with such conditions and provisions as would have applied had such policy, rider or endorsement been in full compliance with this title.

Notes of Decisions
Cited in 4 cases, 1970–2003 · leading case: St. Paul Fire & Marine Ins. v. Gilmore, 812 P.2d 977 (Ariz. 1991).
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St. Paul Fire & Marine Ins. v. Gilmore, 812 P.2d 977 (Ariz. 1991). · cites it 4× “2d 98 (1967); A.R.S. § 20-1118. Therefore, the fact that AAID’s policy with St.”
WJ Kroeger Co. v. Travelers Indem. Co., 541 P.2d 385 (Ariz. 1975). · cites it 4× “§ 20-1118 provides that an insurance policy otherwise valid containing a condition not in compliance with Title 20, Insurance, shall not be invalid but shall be construed in accord with such conditions as would have applied had the policy been written in compliance with Title…”
Nangle v. Farmers Ins. Co. of Arizona, 73 P.3d 1252 (Ariz. Ct. App. 2003). · cites it 2× “¶ 26 Although the Farmers policy excludes coverage for intentional acts by “any insured,” the Standard Policy’s increased hazard provision confines exclusion to acts of “the insured.”
First Sec. Bank v. Fireman's Fund Ins., 472 P.2d 87 (Ariz. Ct. App. 1970). · cites it 2× “§ 20-1118 any insurance policy which contains any condition not in compliance with the requirements of the insurance law shall be construed according to the provisions of the insurance law. Thus, since we have decided in this case-that A.”
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