Does Arizona Have No Fault Auto Insurance? 
Arizona does not . No-fault auto insurance has the insurance company pay for your damages no matter who 's at fault . In Arizona , we have uninsured and underinsured -LRB- UM/UIM -RRB- insurance for damages other people cause to you if they do n't have insurance or have enough . With state law , you have to sign whether or not you want UM/UIM coverage . Things UM/UIM may cover : A driver hitting you who does n't have insurance A driver hitting you who has insufficient coverage for your hospital bills A hit and run driver A driver who hits you while you 're walking or cycling Your medical bills when you 're a passenger in someone else 's vehicle and they have an accident -LRB- when the other driver 's insurance or theirs is insufficient -RRB- . UM/UIM is an excellent option for people looking for no-fault insurance . In fact , at our agency , we recommend UM/UIM to every one of our policyholders . If you have any questions , do n't hesitate to reach out to us at www.insuranceeddie.com . 