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Illinois vs Arizona: Key Differences in Personal Injury Law
December 28, 2025
6 min read
By Christopher GutierrezKey Takeaways
- Both states have a 2-year statute of limitations
- Illinois uses modified comparative negligence (51% bar)
- Arizona uses pure comparative negligence
- Insurance minimum requirements differ significantly
- Medical lien laws vary between states
Statute of Limitations
Both Illinois and Arizona give you 2 years from the date of your injury to file a personal injury lawsuit. Miss this deadline, and you lose your right to sue, regardless of how strong your case is.
Comparative Negligence Rules
This is one of the biggest differences between the two states.
Illinois (Modified Comparative Negligence): You can recover damages only if you are less than 51% at fault. If you are 51% or more at fault, you recover nothing. Your compensation is reduced by your percentage of fault.
Arizona (Pure Comparative Negligence): You can recover damages even if you are 99% at fault. Your compensation is simply reduced by your percentage of fault. This is more favorable to plaintiffs.
Insurance Requirements
Illinois Minimum Coverage:
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $20,000 property damage
Arizona Minimum Coverage:
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $15,000 property damage
Damage Caps
Neither Illinois nor Arizona has caps on compensatory damages in personal injury cases. However, both states have restrictions on punitive damages.
Medical Liens
Medical lien laws, which allow healthcare providers to claim a portion of your settlement, differ between states. Arizona has more favorable lien reduction laws for plaintiffs.
Which State is Better for Your Case?
If the accident occurred in one state, that state's laws typically apply. However, if you have connections to both states, an experienced attorney can help determine which jurisdiction is more favorable for your case.
Have questions about your specific situation? Call me at (855) 444-5227 for a free consultation.
Frequently Asked Questions
What if my accident happened in one state but I live in another?
Generally, the laws of the state where the accident occurred will apply. However, there can be exceptions, and an attorney can help determine the best jurisdiction for your case.
Can I file a lawsuit in either state?
You typically must file in the state where the accident occurred or where the defendant resides. Venue rules can be complex, so consult with an attorney about your options.
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