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There is a time limit on injury claims in Arizona, and the insurance company knows exactly when it runs out. Answer five questions and we will connect you, free, with an independent attorney licensed in Arizona.
Limited
Time to file most injury claims in Arizona. Miss it and the claim is gone
Shorter
Government vehicle and public entity claims run on their own, tighter clock
Varies
Coverage carried by the at-fault driver is often well below the real cost
Pure
Arizona follows pure comparative negligence
This page describes Arizona law in general terms only. It is not legal advice, deadlines and rules change, and exceptions apply. Confirm anything affecting your own claim with an attorney licensed in Arizona.
Arizona applies pure comparative negligence, so recovery is reduced by your share of fault but never barred. Even a driver found substantially responsible recovers a proportion, which makes cases worth asking about here that other states would treat as hopeless.
A firm deadline applies to most injury claims, but claims against a public entity must be served and filed far sooner. Arizona has among the shorter government claim windows in the country.
Minimum coverage is 25/50/15. Arizona has a significant uninsured driver population, so uninsured and underinsured motorist coverage on your own policy is frequently what makes a serious claim recoverable at all.
Maricopa County dominates the state’s caseload and has its own pace and valuation patterns. Pima, Pinal and the rural counties differ enough that insurers evaluate the same injury differently depending on where it would be tried.
Winter visitors change traffic composition seasonally. From roughly November to April, Phoenix and Tucson see a large influx of out-of-state and older drivers, along with rental vehicles, which complicates both liability and which policy applies.
Monsoon season produces genuinely unusual conditions. Dust storms on I-10 between Phoenix and Tucson cause sudden zero-visibility pileups, and flash flooding creates road-hazard claims where a public entity’s maintenance may itself be at issue — on that far shorter clock.
Each one is common, and each one is avoidable.
The ordinary deadline feels like plenty of time until the vehicle that hit you turns out to belong to a city, a county or the state. Arizona requires service far sooner, and the claim is gone long before the ordinary statute runs.
Arizona’s pure comparative rule reduces rather than bars. People who were clearly partly responsible often assume there is nothing to pursue and never ask, which is the wrong conclusion in this state specifically.
Multi-vehicle collisions in a haboob involve many drivers, competing accounts and often a road-authority element. The first offer typically arrives before anyone understands the sequence, let alone the full injury picture.
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A firm deadline for most claims, and a far shorter one to serve and file against a public entity. The vehicle involved changes the deadline immediately.
We match you with an attorney licensed in Arizona who handles your collision type and works the county where it happened.
The carrier’s calls go to your attorney. Under pure comparative fault, every percentage argued is money kept.
Valuation waits for the treatment record rather than the ER note the adjuster wants to settle from.
Fault is contested proportionally, and in monsoon and dust events that often means weather data and road authority records alongside the usual evidence.
Most Arizona accident attorneys work on contingency. Our service is free to you at every stage.
We match you with someone licensed in Arizona who works your area.
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Arizona sets a firm deadline running from the date of the accident, and a separate, considerably shorter one where a government vehicle or public entity is involved. Both are strict, and missing either generally ends the claim no matter how strong it was. An attorney can confirm which applies to your situation before anything expires.
Arizona follows pure comparative negligence. Your recovery is reduced by your share of the blame, but it is never wiped out. Someone found 90% responsible can still recover the remaining 10%. Insurers know this, which is why so much of the early conversation is about shifting blame onto you.
Possibly. Arizona applies pure comparative negligence, which reduces recovery by your share of fault rather than barring it. A driver found substantially responsible can still recover the remaining portion, so it is worth asking rather than assuming.
The deadlines shorten dramatically. A notice of claim generally must be served and suit filed far sooner than the ordinary deadline. This is the most common way an otherwise valid Arizona claim is lost.
Possibly. Uninsured and underinsured motorist coverage on your own policy may apply, including in hit-and-run cases where the driver was never identified. Many people do not realise they carry it.
Our service is free to you — attorneys pay us for the connection. Most Arizona accident attorneys work on contingency, so their fee comes from any recovery rather than from you upfront. Confirm the arrangement directly before signing anything.
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ClaimMVA Now is a free matching service, not a law firm.