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Accident Help in Arizona:
Your Rights, Deadlines and Where to Get Help

If you were hurt in a crash in Arizona, you generally have two years to file, and the decisions that shape a claim usually get made in the first few weeks. Here’s what matters, plus a way to talk to an Arizona attorney today.

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Accident Help in Arizona
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Accident claims in Arizona, the short version

If you were injured in a crash in Arizona, you generally have two years from the date of the accident to file a personal injury lawsuit. Arizona is an at-fault state, so the driver who caused the crash and their insurer are the ones who pay. Arizona is also one of the few states that lets you recover even if the crash was mostly your fault, though your share of the blame reduces what you get. One catch trips a lot of people up: if a city, county or state vehicle was involved, you may have only 180 days to file a formal notice.
to file a claim
0 years
you can still recover even at this fault
0 %
minimum coverage
0 /50/15

Easy Accident Help isn’t a law firm and doesn’t give legal advice. We connect you with an independent attorney licensed in Arizona who can look at your situation, at no cost to you.

Arizona at a glance

Accident claim rules in Arizona

General information about Arizona law. It isn’t legal advice about your case, and an attorney can tell you how any of it applies to what happened to you.

  • Last updated

October 9, 2026

How long to file

Two years from the date of the accident

2 years

That’s the general rule for personal injury lawsuits in Arizona. The big exception is a claim against the government. If a city bus, a county truck, a police vehicle or any public employee on the job caused your crash, you have to serve a written notice of claim within 180 days, and then file suit within one year. Miss the 180 day notice and the claim is barred, even though the usual deadline is two years. If the injured person was under 18, the two years generally do not start until they turn 18.

Source Arizona Revised Statutes section 12-542, and section 12-821.01 for government claims

If you share blame

Arizona uses pure comparative negligence

99%

Arizona is one of only about a dozen states with a pure comparative fault rule. You can recover even if you were mostly to blame, right up to 99%, though your percentage of fault comes straight off what you receive. Say you are found 30% responsible for a $100,000 claim. You still recover $70,000. This is far more forgiving than most states, where crossing 50 or 51% ends the claim entirely. It also means insurers push hard to pin a bigger share on you, because every percent they add is money off your check.

Source Arizona Revised Statutes section 12-2505

Minimum coverage

At least 25/50/15 in liability coverage

25/50/15

That breaks down to $25,000 for injuries per person, $50,000 for injuries per accident and $15,000 for property damage. Arizona raised these minimums in July 2020, so older policies and guides may show the lower 15/30/10 figures. These are still just legal floors. A single serious injury can run past $25,000 fast, which is why uninsured and underinsured motorist coverage matters so much here.

Source Arizona Revised Statutes section 28-4009, Arizona Department of Insurance and Financial Institutions

State specifics

Arizona is an at-fault state, not a no-fault state

The driver who caused the crash and their insurer are generally responsible for the damages, so a claim goes against them rather than your own policy first. Arizona does not require personal injury protection. Insurers do have to offer you uninsured and underinsured motorist coverage, but you can turn it down in writing, and a lot of people do without realizing it. Given how many Arizona drivers carry only the state minimum, that coverage is worth checking on your own policy.

Source Arizona Revised Statutes, Arizona Department of Insurance and Financial Institutions

What to do after an accident
First steps

What to do after an accident in Arizona

After a crash in Arizona, the first steps matter for both your health and your claim. This is general guidance that applies anywhere in the state, and none of it replaces talking to a doctor or an attorney about your own situation.

  1. Get looked at by a doctor, even if you feel fine. Adrenaline and the Arizona heat can both mask how you actually feel. Neck, back and head injuries often show up a day or two later, and a gap between the crash and your first medical record is the first thing an adjuster points at.
  2. Call the police and ask how to get the crash report. In Arizona the report is usually available from the responding agency or through the state crash records system. It won’t settle fault by itself, but it’s the document everyone works from later.
  3. Photograph everything before it moves. Both vehicles, where they came to rest, skid marks, the intersection, signals, signs and your injuries as they develop.
  4. Trade insurance and contact details with the other driver. Name, phone, insurer, policy number and the plate. If anyone stopped to help, get their number, because witnesses are very hard to track down a week later.
  5. Go slow with the adjuster. The other driver’s insurer may call within a day or two asking for a recorded statement. You are not required to give one, and most people talk to an attorney first.
  6. Write down what you remember the same day. Where you were heading, what the light was doing, what was said at the scene. Memory of a crash fades fast.
  7. Watch the deadline, especially for government vehicles. Two years sounds like plenty, but if a public vehicle or employee was involved the real deadline can be just 180 days to file notice. 
Practice areas

Accident types we help with in Arizona

Different crashes turn on different evidence. Pick the one that matches what happened and we’ll look for an attorney who handles that kind of claim in Arizona.

Car Accidents

Rear-end hits, intersection collisions, highway pileups, drunk drivers. These are the most common claims we see in Arizona and often the ones insurers try to close fastest.

Truck Accidents

18-wheelers and commercial vehicles bring federal safety rules, driver logs and sometimes several insurers into the same claim. Evidence like electronic logs can be overwritten, so these move fast.

Motorcycle Accidents

Riders get blamed by default more often than not. Injuries tend to be more serious and the argument over who did what is usually harder fought.

Rideshare Accidents

Uber and Lyft coverage shifts depending on whether the app was off, waiting for a ride request or already carrying a passenger. Which policy applies is often the whole question.

Pedestrian Accidents

Crosswalk and parking lot collisions, often at low speed and still severe. Drivers frequently say they never saw you, which puts the focus on sight lines and signals.

Hit & Run

When the other driver takes off, your own uninsured motorist coverage is usually the route to getting paid. Worth checking your policy even if you assume you don't have it.

Coverage
Find accident help in your Arizona city
Pick your city for pages written around that area, or start the form from anywhere in the state.
Phoenix
Car
Truck
Motorcycle
Rideshare
Pedestrian
Tucson
Car
Truck
Motorcycle
Mesa
Car
Truck
Motorcycle
Tempe
Car
Truck
Motorcycle
Scottsdale
Car
Truck
Motorcycle
Chandler
Car
Truck
Motorcycle
Gilbert
Car
Truck
Glendale
Car

We cover all of Arizona, not just the cities above. If your crash happened in Flagstaff, Yuma, Peoria, Surprise or anywhere else in the state, we can still look for an attorney who works your area. Start the form or call (888) 401-3677.

 
Coverage

Find accident help in your Arizona city

Pick your city for pages written around that area, or start the form from anywhere in the state.

Phoenix

Car
Truck
Motorcycle
Rideshare
Pedestrian

Tucson

Car
Truck
Motorcycle

Mesa

Car
Truck
Motorcycle

Tempe

Car
Truck
Motorcycle

Scottsdale

Car
Truck
Motorcycle

Chandler

Car
Truck
Motorcycle

Gilbert

Car
Truck

Glendale

Car

We cover all of Arizona, not just the cities above. If your crash happened in Flagstaff, Yuma, Peoria, Surprise or anywhere else in the state, we can still look for an attorney who works your area. Start the form or call (888) 401-3677.

 
How it works

Three steps. One free phone call.

We do the work of finding you an Arizona attorney so you can put your attention on getting better.

Tell us what happened

A few questions about the crash, your injuries and where in Arizona it happened. Around 90 seconds.

Get matched with an attorney

We connect you with an independent personal injury attorney licensed in Arizona who takes cases like yours.

Free case evaluation

You talk to that attorney directly, at no charge. If they take the case, you only pay if they win.

See if you qualify

Two minutes, no cost and no obligation to hire anyone. If nobody in the network is right for your case, we’ll say so rather than matching you anyway.
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What this is and what it costs you

How the service actually works, in plain terms.

Free to use

Getting matched costs nothing and neither does the first conversation with the attorney. There’s no fee to you for the matching itself at any point.

No win, no fee

Attorneys in the network work on contingency. Their fee comes out of a settlement or award rather than your savings, and if the case doesn’t succeed you owe no attorney fee.

How matching works

You answer a few questions. We look for an independent attorney licensed in Arizona whose practice covers your type of crash, then pass your details to them and they call you directly.

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Common questions

Arizona accident claim questions

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

In most cases, two years from the date of the crash. That is the general deadline for personal injury lawsuits in Arizona under section 12-542. A claim against the government runs on a much shorter clock. You have to serve a written notice of claim within 180 days and then file suit within one year, and missing that 180 day notice bars the claim outright. If the injured person was under 18, the two years generally do not start until they turn 18.
You can still recover. Arizona uses pure comparative negligence, so there is no threshold that ends your claim outright. Even if you were mostly to blame, right up to 99 percent, you recover something, with the award reduced by your share of the fault. Found 30 percent responsible on a $100,000 claim and you still receive $70,000. That rule also gives the insurer a direct reason to argue for a bigger share of blame, because every percent they add comes off what you are paid. An adjuster’s opinion about fault is not the final word.
See a doctor first, even if nothing hurts yet. Call the police so there is a crash report. Photograph both vehicles, the scene and your injuries, and get the other driver’s insurance and contact details. Go carefully with recorded statements to the other driver’s insurer. Write down what happened the same day, while you still remember it clearly.
At least 25/50/15 in liability coverage. That is $25,000 for injuries to one person, $50,000 for injuries in one accident and $15,000 for property damage. Arizona raised those minimums in July 2020, so older guides may still show the lower 15/30/10 figures. Insurers have to offer you uninsured and underinsured motorist coverage, though you can decline it in writing, and Arizona does not require personal injury protection. It is worth checking what is actually on your policy.
Yes. We work with attorneys across all of Arizona, not only the cities listed on this page. Those cities have their own pages because they are the ones we get asked about most. Fill out the form or call (888) 401-3677 and we will look for someone who covers your area.
No. Easy Accident Help is a marketing and matching service. We are not a law firm and not a lawyer referral service, we do not give legal advice and we do not represent you. We take a few details about your accident and connect you with an independent personal injury attorney licensed in Arizona. Any attorney-client relationship is formed between you and that attorney, not with us.
Nothing. The match is free and so is the case evaluation. Personal injury attorneys in our network work on contingency, which means their fee comes out of a settlement or award instead of your pocket, and you owe no attorney fee if the case does not succeed. The attorney will go through their fee agreement with you before you sign anything.

Hurt in a crash in Arizona?

Find out in about two minutes whether you qualify to be matched with an Arizona attorney. It’s free, there’s no obligation and you only pay your attorney if they win.
See If You Qualify
Call (888) 401-3677
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