Free Case Evaluation
Let's See If You Have a Case...
Car Accident?
How Fault Works in Arizona
Car accident insurance claims are handled differently based on the tort liability system recognized in the state.
There are two kinds of state systems used: fault and no-fault.
Arizona is an at-fault state, meaning the insurance company of the at-fault driver is responsible to pay compensation for personal injuries and other damages caused in a crash.
Further complicating liability, AZ law follows the comparative negligence doctrine that allows for an injured party to recover compensation even if they are partially to blame for the collision.
If you've been in an accident, contact Lawsuit Legal today to reach a member of our legal team for a free consultation.
Review your case with our experienced Arizona auto accident lawyer, who can help get your life back on track and get you paid what you deserve.
Is Arizona a No Fault State for Car Accidents?
No, Arizona is not a No Fault state. Arizona is an at-fault state. The Arizona negligence laws allow injured accident victims to hold liable parties accountable for the damages they cause. Arizona requires drivers carry a minimum of $25,000 per person, $50,000 per accident bodily injury insurance, and $15,000 in property damage liability.If the responsible driver doesn't have enough insurance coverage to cover your expenses, you can file a car accident lawsuit to recover damages that exceed policy limits. An experienced car accident attorney can help you determine how Arizona accident laws can impact your ability to collect the compensation you deserve. In a state like Arizona, if you are injured in a traffic accident, you submit a claim with the negligent driver's auto insurance company rather than with your own coverage.
No-Fault vs. At-Fault Insurance Claims
"States like Arizona allow injury victims to hold the responsible driver accountable for damages..."
After car crash injuries, several factors can directly impact the victim's ability to recover compensation under the law.
The negligence system of the state essentially sets the rules for how insurance claim compensation is handled. In no-fault states, accident victims first file a claim with their own insurance, even if they are to blame for the crash.
In some cases, the injured party can file a lawsuit and seek damages for bodily injury losses from the responsible driver if the serious injury threshold is met.
No-fault states require their drivers to carry Personal Injury Protection (PIP) liability insurance, providing policyholders a path to obtain compensation from their own coverage.
In at-fault states like Arizona, the negligent driver is liable for recovery, but you must prove they were responsible.
Drivers who cause accidents are responsible for paying for your losses in Arizona. The skilled Arizona accident attorneys at Lawsuit Legal will review the legal process when you sit down to discuss the specific circumstances of your case.
- Top-Rated Phoenix Car Accident Lawyers
- Top-Rated Tucson Car Accident Lawyers
- Top-Rated Flagstaff Car Accident Lawyers
- Top-Rated Truck Accident Lawyers
- Top-Rated Personal Injury Lawyers
- Top-Rated Delivery Truck Accident Lawyers
- Top-Rated Drunk Driving Accident Lawyers
- Top-Rated Hit-and-Run Accident Lawyers
- Top-Rated Rideshare Accident Lawyers
- Top-Rated Motorcycle Accident Lawyers
- Top-Rated Pedestrian Accident Lawyers
- Fatal Car Accident Lawyers
- Top-Rated Wrongful Death Lawyers
What if the At-Fault Driver is Uninsured?
What happens when an at-fault driver doesn't have insurance in Arizona? This can complicate your case and make it more difficult to obtain compensation. A claim against the victim's uninsured motorist coverage may provide a path to recover compensation when the driver who caused the accident doesn't have insurance.
This presumes you have UI/UIM coverage in order to file a claim against your own insurance. Not every motorist carries underinsurance coverage / uninsured coverage. You may also be able to sue the other driver in directly in court, depending on the circumstances and available assets. Talk with an injury lawyer right away if a driver with no insurance coverage hurt you, to discuss your legal options.
What Damages Can I Recover after a Car Accident in Arizona?
What types of damages and what your case may be worth will depend on the specific circumstances of your accident. If you suffered injuries in a traffic accident in Arizona, you may be able to recover the following damages:

- Medical Expenses: The costs of medical treatment, hospital bills, medical tests, and procedures. Any losses incurred related to accident-related healthcare costs.
- Pain and Suffering: Depending on the severity of the personal injuries suffered, accident victims may be able to recover compensation for the emotional distress, discomfort, and intangible harm caused by the other party.
- Property Damage: Compensation for the repair or replacement of your vehicle and any personal property damaged in the accident.
- Lost Wages: Damages may include recovery for accident-related lost earnings, and potential future earning capacity lost as a result of not being able to work.
- Emotional Distress: In severe cases, you may be able to sue for emotional distress when you can show the distress was so severe that no reasonable person could handle it on their own.
- Wrongful Death: Fatal accidents can give rise to wrongful death claims from the surviving spouse, child, parent, or guardian of the deceased or representative of the estate in some cases.
- Punitive Damages: Arizona allows for punitive damages in cases where the responsible party acted with an "evil hand and evil mind," and the harm was intentional. These damages are intended to punish rather than compensate.
- Other Damages: The specific circumstances of your car accident case give rise to other damages. In consultation with your personal injury attorney, you will pursue the damages with legal merit that are specific to your case.
Our Arizona Accident Attorneys Standing By
Is it worth hiring an attorney after an accident?
In a minor traffic accident where nobody was hurt, you can typically handle the insurance claim process without a lawyer being necessary.
However, accident injury cases are more complex matters, and insurance companies often try to avoid paying what you may be owed.
Medical expenses, lost wages, and other losses can be substantial after an accident. An experienced accident lawyer will be able to help you maximize your settlement and take the legal burden off your shoulders so you can focus on recovery.
Several important factors can have serious implications for your ability to obtain recovery after an accident. Expertise in Arizona law and experience handling complex car accident injury cases can make a difference in your ability to obtain financial recovery for your losses.
Let the proven legal team at Lawsuit Legal help you obtain the best possible outcome with your claim. The initial case review is free, and there is no obligation. Contact us today if you have further questions about fault after a collision or need legal help when you've been injured. Let us help you get the settlement you deserve.
Free Case Evaluation
Let's See If You Have a Case...