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Car Accidents
Arizona Car Accident Guide: Laws, Deadlines, and Your Rights
January 5, 2026
9 min read
By Christopher GutierrezKey Takeaways
- Arizona has a 2-year statute of limitations for personal injury claims
- Arizona uses pure comparative negligence - you can recover even if mostly at fault
- Minimum liability insurance is $25,000/$50,000/$15,000
- You must report accidents with injuries or $1,000+ in damage
- Acting quickly preserves evidence and strengthens your case
Arizona's Statute of Limitations
In Arizona, you have exactly 2 years from the date of your accident to file a personal injury lawsuit. This deadline is strict. Miss it by even one day, and you lose your right to compensation forever.
Pure Comparative Negligence
Arizona follows "pure comparative negligence" rules. This means you can recover compensation even if you were mostly at fault for the accident. Your award is simply reduced by your percentage of fault.
For example: If you are 70% at fault and your damages are $100,000, you can still recover $30,000.
Arizona Insurance Requirements
Arizona requires all drivers to carry minimum liability insurance:
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $15,000 property damage
Many drivers carry only these minimums, which may not cover serious injuries.
What to Do After an Arizona Accident
If you are in an accident in Arizona, take these steps:
- Call 911 and report the accident
- Exchange information with all drivers
- Document the scene with photos
- Get witness contact information
- Seek medical attention within 24-48 hours
- Contact an attorney before speaking to insurance companies
Phoenix Area Accidents
I handle cases throughout the Phoenix metropolitan area, including Scottsdale, Tempe, Mesa, Chandler, Gilbert, and surrounding communities. Each area has its own traffic patterns and common accident locations.
Call me at (855) 444-5227 for a free consultation about your Arizona accident case.
Frequently Asked Questions
Do I need a lawyer for a minor accident?
Even minor accidents can result in injuries that worsen over time. A free consultation can help you understand your options and whether you need representation.
What if the other driver was uninsured?
You may be able to recover through your own uninsured motorist coverage. An attorney can review your policy and help you understand your options.
Free Consultation
Were You in an Accident?
Get a free case evaluation from attorney Christopher Gutierrez.
Your information is protected and confidential
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(855) 444-5227