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By
John Quigley, Legal Content Director · Reviewed against current A.R.S. · Last reviewed 2026-06-11
Arizona is an at-fault state, so the driver who caused a crash (and their insurer) is responsible for the damages. Phoenix-area freeways like the I-10, I-17, and Loop 101 see heavy collision volume, making prompt action important.
What Arizona law says
A.R.S. § 12-542 — Two-year statute of limitations to file a lawsuit for injuries or property damage from a crash.
A.R.S. § 12-2505 — Pure comparative fault — compensation is reduced by your percentage of responsibility.
A.R.S. § 28-3001 — Arizona’s mandatory minimum auto-insurance requirements, which set the baseline coverage available after a crash.
⏱ Key deadline
Most car-accident lawsuits must be filed within 2 years of the crash (A.R.S. § 12-542).
How car accident cases work in Maricopa County
Claims usually start with the at-fault driver’s insurer; disputed or serious-injury cases proceed in Maricopa County Superior Court. Arizona’s comparative-fault rule means insurers often argue you share blame to reduce payouts.
Frequently asked questions
Arizona is an at-fault state — what does that mean?
The driver who caused the crash is liable. You can file with their insurer, your own, or pursue a lawsuit.
What if the other driver was uninsured?
Your own uninsured/underinsured motorist coverage may apply. Arizona requires insurers to offer UM/UIM coverage.
Should I accept the insurer’s first offer?
First offers are often low. Because comparative fault can reduce recovery, many people consult an attorney before settling.
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Disclaimer: AZAttorneyFinder is an independent attorney directory, not a law firm, and does not provide legal advice. This page is general legal information about Arizona law, reviewed against the Arizona Revised Statutes (A.R.S.). It is not a substitute for advice from a licensed Arizona attorney about your specific situation. Statutes change — verify current law before relying on it.