A lot of people have the mistaken idea that if they make a claim under their own insurance policy, their insurance rates are going to go up. Under Arizona law, this is wrong. The insurance company cannot raise your rates if you are not at fault for the accident. So, do not be hesitant to make a claim against your own insurance company if you need to do so because you were injured. You have the ability to make a claim for medical payments under your policy, for uninsured and underinsured motorist coverages, and they cannot raise your rates if you are not at fault.
The insurance companies, because of their profit motive, try to make you believe that if you make a claim your rates will go up, but under Arizona law, this is not true.