Arizona Car Accident Settlement Calculator

Car accident claims in Arizona benefit from the state’s pure comparative fault system, which never completely bars recovery based on fault. Your compensation is simply reduced by your share of responsibility. This approach means that even contested multi-vehicle accidents where fault is widely distributed can result in meaningful recovery for each injured party.

Arizona gives you 2 years from the date of the incident to file a lawsuit, which is in line with the national average of 2.7 years. This is a standard timeframe, but acting sooner preserves evidence and strengthens your position. Arizona applies a discovery rule, meaning the clock may start when you discover (or should have discovered) the injury rather than when the incident occurred.

Arizona requires all drivers to carry minimum liability insurance of $25K per person / $50K per accident in bodily injury coverage and $15K in property damage coverage (commonly written as 25/50/15). These minimums are below the national average, meaning many drivers in Arizona may carry only enough insurance to cover a fraction of the costs from a serious accident. Arizona does not require uninsured motorist coverage, leaving you potentially unprotected if the at-fault driver has no insurance. Purchasing UM/UIM coverage is strongly recommended.

Arizona imposes a 180-day notice requirement for tort claims against government entities. If a government-owned vehicle caused your accident or a poorly maintained government road contributed to it, you must file a formal notice of claim well before the standard statute of limitations expires. Failure to provide timely notice is one of the most common reasons government tort claims are dismissed.