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Leaving the scene of an accident involving physical injuries or death is a felony; Leaving the scene of an accident involving injury other than death or serious injury is a class 5 felony with a nine-month to two-year jail term and a $750 fine.
If the injuries and damage are minimal, auto insurance may pay for the total damages. But if the injuries are severe, the defendant may owe more money than their auto insurance covers. Any of the defendant's personal assets, including a house, vehicle and savings, are at risk when they reach their insurance limit.
No insurance company can require a police report to process a claim. Therefore, if Arizona law does not require you to file a police report for your particular accident, it is up to you whether or not you wish to obtain one. With no official record of the accident, however, your insurance claim can be more complicated.
Arizona Implements Several Liability, Not Joint Liability For example, in a case with $1 million in damages, a defendant who was only 10 percent at-fault could be held liable for the entire $1 million!
§ 28-4072. In summary, if you are in an accident and you do not have insurance, the other driver's insurance company can sue you to recover damages you caused to their policy holder's car. If the other driver's insurance company wins they will get a monetary judgment against you.
Currently, ten states have no pay, no play laws on the books: Alaska, California, Iowa, Kansas, Louisiana, Michigan, New Jersey, North Dakota, Oklahoma, and Oregon.
Arizona is one of 38 states, plus the District of Columbia, that applies a fault-based system to auto accidents. Therefore, Arizona is not a no fault state. If you suffered an injury due to another driver's negligence, you have the right to file a claim with the careless driver's insurance company in Arizona.
In Arizona, the driver of the rear vehicle in a rear-end collision is presumed to be at fault because he or she failed to stop in time or maintain a reasonably safe distance from the vehicle ahead to avoid a collision. However, the presumption is not absolute.