Your insurance carrier will pay up to the limits stated on your policy. In Arizona, the minimum limits for liability on your auto policy are 25/50/15. This means your policy will only pay $25,000 per person for bodily injury or $50,000 for bodily injury aggregate/total (if more than one person is in the car) for the accident and $15,000 for property damage whether that be the car, house or personal property of another person. As you can imagine $25,000 does not go very far toward bodily injury. An extended hospital stay can easily run to $100,000 in no time. This means your policy would pay only $25,000 if you have the state minimum liability and you may be held responsible for the rest if the injured party chooses to take legal action against you. Understand the amount of coverage you currently have and add as much coverage as you feel is appropriate for you. Keep in mind, whatever liability the policy does not cover you are still responsible for.