Car Accident Laws in Arizona
Car accidents happen every day in Arizona, from busy intersections in Phoenix to rural roads near Flagstaff. If you’re injured in a crash, it’s important to understand your legal options, especially when it comes to fault, insurance coverage, and filing deadlines. This guide breaks down the most important car accident laws in Arizona to help you protect your rights after a collision.
Arizona Is an At-Fault State
Arizona uses a fault-based insurance system, which means the driver who caused the accident is legally responsible for paying damages. If you’re injured, you can:
- File a claim with your own insurance company (who may seek reimbursement)
- File a claim against the at-fault driver’s insurer
- File a personal injury lawsuit in court
You must prove the other driver was negligent to succeed in a claim or lawsuit.
Pure Comparative Negligence
Arizona follows a pure comparative negligence rule. This means that even if you’re partly at fault for the crash, you can still recover compensation. However, your award will be reduced by your percentage of fault. For example, if you were 20% responsible, your damages would be reduced by 20%.
Minimum Insurance Requirements in Arizona
Arizona drivers are required to carry liability insurance with the following minimum coverage:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $15,000 for property damage
Uninsured/underinsured motorist coverage is optional, but insurers must offer it. It’s a good idea to have this extra protection in case the at-fault driver lacks sufficient insurance.
Statute of Limitations for Car Accidents
Arizona gives you two years from the date of the accident to file a lawsuit for personal injury or property damage. If you miss this deadline, your case will likely be dismissed. Acting quickly helps preserve evidence and gives you a stronger claim.
When to Report an Accident
Under Arizona law, you must report a car accident to law enforcement if:
- Anyone is injured or killed
- There is significant property damage
- A driver is intoxicated or unlicensed
Most serious accidents are documented at the scene by responding police officers. You can request a copy of the report from the Arizona Department of Public Safety or the local agency that handled the crash.
What if the Other Driver Has No Insurance?
If you’re hit by an uninsured driver, your best option is to file a claim under your uninsured motorist (UM) coverage. If you don’t have UM/UIM coverage, you may need to sue the other driver directly. However, recovery may be limited if they have no assets or income.
Recoverable Damages in Arizona
In a successful car accident claim, you may be entitled to compensation for:
- Medical bills (including future care)
- Lost wages and reduced earning potential
- Property damage
- Pain and suffering
- Mental distress
- Loss of enjoyment of life
There’s no cap on most personal injury damages in Arizona, but punitive damages are only available in extreme cases of reckless behavior.
What If I Was Injured While Visiting Arizona?
If you’re hurt in a crash while visiting Arizona, you still have the right to file a claim under Arizona law. This applies even if you live in another state or country. Be sure to consult with an Arizona-based attorney who understands local procedures and court rules.
Should You Hire a Car Accident Lawyer in Arizona?
If you’ve suffered serious injuries, are being blamed for the accident, or are facing pushback from insurers, it’s wise to speak with a car accident lawyer. An experienced attorney can handle negotiations, collect evidence, and make sure your rights are protected every step of the way. Many offer free consultations and only get paid if they win your case.