Arizona Car Accident Claims
Legal Options After a Car Accident in Arizona
Quick Facts
- Statute: 2 years from the date of the accident.
- Fault Rule: Pure comparative negligence.
- Minimum Coverage: $25,000 bodily injury per person / $50,000 per accident / $15,000 property damage.
Key Facts for Arizona Accident Claims
Statute of Limitations
2 years from the date of the accident.
Personal injury claims
Fault System
Pure comparative negligence.
Comparative fault rules
Min. Liability Coverage
$25,000 bodily injury per person / $50,000 per accident / $15,000 property damage.
State minimums
Uninsured Motorist
Must be offered; optional but commonly included.
Coverage status
Statute of Limitations in Arizona
Comparative Fault: Pure comparative negligence. Minimum Liability Coverage: $25,000 bodily injury per person / $50,000 per accident / $15,000 property damage. Uninsured Motorist: Must be offered; optional but commonly included.
Arizona's Fault System
Arizona operates under a pure comparative negligence system. This means you may recover damages even if you are mostly at fault for the accident. Your compensation will simply be reduced in proportion to your percentage of fault. For example, if you are 60% responsible, you can still recover 40% of your damages. This system provides more flexibility than contributory negligence states. However, insurers often attempt to assign higher fault percentages to minimize payouts, making proper documentation essential.
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Insurance Requirements
Arizona requires drivers to carry minimum liability insurance of 25/50/15. This includes $25,000 per person for bodily injury, $50,000 per accident, and $15,000 for property damage. Liability insurance covers injuries and damage you cause to others. Insurers must also offer uninsured and underinsured motorist coverage, though drivers may decline it in writing. Carrying UM/UIM coverage can provide critical protection if the at-fault driver lacks adequate insurance.
Frequently Asked Questions
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