When you're involved in a car accident, one of the first questions that comes up is: Who’s going to pay for the damage and medical bills? The answer depends on whether your state follows a fault or no-fault system.
In this post, we’ll break down how Arizona handles liability in car crashes and what it means for your rights and recovery.
Arizona is a “fault” or “at-fault” state when it comes to car accidents. That means the driver who is legally responsible for causing the accident is also financially responsible for the damages.
In contrast, no-fault states require each driver to use their own insurance—regardless of who caused the accident—through something called personal injury protection (PIP). Arizona doesn’t use that system.
If you’re in a crash in Arizona, you generally have three options for recovering damages:
Because liability must be determined, the insurance companies will conduct an investigation, and fault becomes a key factor in how much compensation you receive—or whether you receive any at all.
Fault is usually determined through a combination of:
Even if you were partly at fault, Arizona’s “pure comparative negligence” rule allows you to recover damages—your compensation is just reduced by your percentage of fault.
Example: If you’re awarded $10,000 but found to be 20% at fault, you’d receive $8,000.
When you’re injured in a car accident, proving fault can directly impact your:
Insurance companies often try to minimize their liability or shift blame to avoid paying. That’s why it’s crucial to work with a personal injury attorney who can gather evidence, build your case, and negotiate fair compensation.
If you’ve been injured in an Arizona car accident, don’t let the insurance adjuster decide who was at fault without legal input. A mistake in that decision could cost you thousands of dollars—or your entire case.
Let Arsenal Law step in and fight for you. We handle the legal side so you can focus on recovery.
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www.ArsenalLawAZ.com
