Is Arizona a no-fault state?

No. Arizona is an at-fault (“tort”) state — the driver who caused the crash, through their insurer, is responsible for the injury damages. You generally pursue the at-fault driver's insurer rather than your own.

What is Arizona's fault rule for a car accident?

Arizona follows pure comparative fault. You can recover even if you were mostly at fault — your award is reduced by your share of fault.

How long do I have to file an injury claim in Arizona?

In Arizona the statute of limitations for a personal-injury claim is generally 2 years from the date of the accident. Miss it and the claim is usually barred for good — separate from any deadlines your insurer sets.

Arizona · Injury claims

Car accident injury claims in Arizona

In Arizona, an injury claim runs through the at-fault driver's insurer — and how much you can recover turns on the state's fault rule, coverage minimums, and a filing deadline that's easy to miss. Here's what shapes an injury claim in Arizona.

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Arizona at a glance

Fault rule: Pure comparative fault
No-fault state?: No
Minimum liability coverage: 25/50/15 (A.R.S. § 28-4009, eff. 7/1/2020; prior 15/30/10 for pre-7/1/2020 policies; fleets of 7+ no accumulation)
Time limit for an injury claim: 2 years

How fault works in Arizona

AZ is a PURE comparative-fault state under A.R.S. § 12-2505 — there is no percentage bar; even a 95% at-fault plaintiff recovers 5% of damages. Only intentional/willful/wanton conduct bars recovery. Joint-and-several liability is abolished by § 12-2506 — liability is apportioned among multiple tortfeasors by their relative degree of fault (with exceptions).

Paying for injuries in Arizona

No AZ no-fault statute exists; AZ is a traditional tort-liability state. There is no PIP requirement and no no-fault threshold. MedPay is optional (A.R.S. § 20-1601) — if elected, the insurer pays first-dollar medical up to the limit regardless of fault.

How Moe handles injury claims in Arizona

Knowing the rule is one thing — applying it against a carrier is another. Moe builds your case to Arizona’s rules, drafts every letter for your approval, tracks the deadlines, and only pings you when there’s a decision to make.

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Arizona injury claims — common questions

Is Arizona a no-fault state?: No. Arizona is an at-fault (“tort”) state — the driver who caused the crash, through their insurer, is responsible for the injury damages. You generally pursue the at-fault driver's insurer rather than your own.
What is Arizona's fault rule for a car accident?: Arizona follows pure comparative fault. You can recover even if you were mostly at fault — your award is reduced by your share of fault.
How long do I have to file an injury claim in Arizona?: In Arizona the statute of limitations for a personal-injury claim is generally 2 years from the date of the accident. Miss it and the claim is usually barred for good — separate from any deadlines your insurer sets.

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All Arizona accident-claim rules · Other states

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This page summarizes Arizona’s car-accident claim rules for general information — it is not legal advice, and the rules can change. What applies to your claim depends on your policy and the specific facts.