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

Ariz. Rev. Stat. § 20-1120 (2026)

Binders

✓ current as of May 2026
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A. Binders or other contracts for temporary insurance may be made orally or in writing, and shall be deemed to include all the usual terms of the policy as to which the binder was given together with such applicable endorsements as are designated in the binder, except as superseded by the clear and express terms of the binder.

B. No binder shall be valid beyond the issuance of the policy with respect to which it was given, or beyond ninety days from its effective date, whichever period is the shorter.

C. If the policy has not been issued a binder may be extended or renewed beyond such ninety days with the written approval of the director, or in accordance with such rules and regulations relative thereto as the director may promulgate.

D. This section shall not apply to life or disability insurances.

Notes of Decisions
Cited in 11 cases, 1970–2017 · leading case: Cont'l Life & Accident Co. v. Songer, 603 P.2d 921 (Ariz. Ct. App. 1979).
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Cont'l Life & Accident Co. v. Songer, 603 P.2d 921 (Ariz. Ct. App. 1979). · cites it 14× “This position is asserted on the premise that A.R.S. § 20-1120 specifically provides for oral “binders” which, of necessity, must be proven by parol evidence.”
Statewide Ins. Corp. v. Dewar, 694 P.2d 1167 (Ariz. 1984). · cites it 12× “We simply recognize that the binder and the policy are two different contracts. One is a contract for temporary insurance and the other is the contract for permanent insurance.”
Servs. Holding Co. v. Transamerica Occidental Life Ins., 883 P.2d 435 (Ariz. Ct. App. 1994). · cites it 8× “Oral Binder Transamerica argues that any oral representations made by Cherry purporting to *203 bind Transamerica to a contract of temporary insurance could not be effective because oral binders are prohibited by AR.”
Turner v. Worth Ins. Co., 472 P.2d 1 (Ariz. 1970). · cites it 2× “* * * » *134 The basic terms of the above definition have been specifically adopted by our legislature and applied to liability insurance by § 20-1120, A.R.S., which provides: “§ 20-1120.”
Prudential v. Est. of Rojo-Pacheco, 962 P.2d 213 (Ariz. Ct. App. 1997). “” § 20-1120(A). See Turner v. Worth Ins. Co.”
Rutherford v. John O'Lexey's Boat & Yacht Ins., 576 P.2d 1380 (Ariz. Ct. App. 1978). · cites it 2× “The controlling statute is A.R.S. § 20-1120, which states in pertinent part: “A.”
Cain v. Aetna Life Ins., 659 P.2d 1334 (Ariz. Ct. App. 1983). · cites it 2× “Although Cain used the term binder, his argument on appeal, as it was below, is that a contract of temporary insurance was created by virtue of the payment of the premium and delivery of the receipt.”
Saggau v. State Farm Mut. Ins. Co., 493 P.2d 528 (Ariz. Ct. App. 1972). · cites it 2× “Obviously, the trial court believed the Kearneys’ testimony and discounted that of Mrs. Kitchen. Our review of the record leads us to the same conclusion.”
Statewide Ins. v. Dewar, 694 P.2d 1190 (Ariz. Ct. App. 1983). · cites it 5× “A.R.S. § 20-1120; Continental Life & Acc.”
Turner v. Worth Ins. Co., 464 P.2d 990 (Ariz. Ct. App. 1970). · cites it 4× “A.R.S. § 20-1120 states in part: "A. Binders or other contracts for temporary insurance may be made orally or in writing, and shall be deemed to include all the usual terms of the policy as to which the binder was given together with such applicable endorsements as are…”
Laufer v. Auditore (Ariz. Ct. App. 2017). · cites it 2× “Under A.R.S. § 20-1120(B) (2017), as relevant here, an insurance binder is valid only until "issuance of the policy with respect to which it was given.”
— Ariz. Rev. Stat. § 20-1120(A) — 2 cases
Prudential v. Est. of Rojo-Pacheco, 962 P.2d 213 (Ariz. Ct. App. 1997). “” § 20-1120(A). See Turner v. Worth Ins. Co.”
Statewide Ins. v. Dewar, 694 P.2d 1190 (Ariz. Ct. App. 1983). “A.R.S. § 20-1120; Continental Life & Acc.”
— Ariz. Rev. Stat. § 20-1120(B) — 2 cases
Statewide Ins. Corp. v. Dewar, 694 P.2d 1167 (Ariz. 1984). “We simply recognize that the binder and the policy are two different contracts. One is a contract for temporary insurance and the other is the contract for permanent insurance.”
Laufer v. Auditore (Ariz. Ct. App. 2017). “Under A.R.S. § 20-1120(B) (2017), as relevant here, an insurance binder is valid only until "issuance of the policy with respect to which it was given.”
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