Arizona is not a no-fault state for car accidents and insurance claims. And no-fault states, drivers are required to purchase personal injury protection (PIP) coverage or no-fault insurance. Then, when they are involved in an accident, they file a claim with their own insurance company. However, Arizona is not a no-fault state. We are a fault state.
This means you file a claim with the at-fault party’s insurance company. Every motorist is required to have a Minimal amount of auto insurance coverage under Arizona car insurance laws, including:
$25,000 per person and bodily injury liability coverage
$50,000 per accident in battle injury liability coverage
$15,000 per accident in property damage liability coverage
This will cover the victim's damages when the policyholder is responsible for causing the accident. However, insurance will only pay out up to the highest amount of the policyholder's claim. This means you may have remaining damages the insurance company does not cover after your collision.