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The other driver ran a red light and hit you. Your car is damaged, your shoulder is injured, and now you are sitting across from an insurance adjuster who is asking you questions you do not fully understand. If you have ever wondered, “is Arizona a no fault state,” the...

You did everything right. You paid your premium, kept your proof of insurance in the glove box, and drove like the rules mattered. You understood Arizona auto insurance requirements and followed them carefully. Then someone who did none of those things ran a light, crossed a line, or blew a...