Filing Claims in No-Fault States in Arizona
Complete guide to filing claims in no-fault states in Arizona (AZ). Arizona is a at-fault (tort) state with 25/50/15 minimum liability limits.
Fault System
At-Fault (Tort)
Min Liability
25/50/15
PI Statute
2 years
Diminished Value
Allowed
Arizona Insurance Overview
Arizona is a pure comparative fault state, allowing injured drivers to recover damages even when mostly at fault. The state has relatively low minimum liability limits at 25/50/15. Arizona's desert climate and long highway distances mean accidents can be severe, making adequate coverage important.
Key Arizona Laws
- Arizona follows pure comparative fault — you can recover damages even if you are 99% at fault (A.R.S. § 12-2505).
- Arizona requires mandatory liability insurance; driving without it can result in license and registration suspension.
- Insurers must acknowledge receipt of a claim within 10 working days (A.A.C. R20-6-801).
How to File Filing Claims in No-Fault States in Arizona
How auto insurance claims work in no-fault states, when you can sue the at-fault driver, PIP coverage requirements, and state-specific no-fault rules.
In Arizona, it's critical to understand the state's at-fault (tort) system and the 2-year personal injury statute of limitations when pursuing filing claims in no-fault states. Missing these deadlines can result in a complete loss of your right to compensation.
- Document everything immediately — Gather all evidence, photos, police reports, and medical records relevant to your filing claims in no-fault states in Arizona.
- Report to your insurer promptly — Report to insurer promptly; within 30 days recommended. Delays can jeopardize your claim under AZ law.
- Know your Arizona rights — Under Arizona's at-fault (tort) system, your recovery may be affected by your percentage of fault.
- Contact the Arizona Department of Insurance and Financial Institutions — If your insurer acts unfairly, file a complaint at https://difi.az.gov or call (602) 364-3100.
- Use InsurifyAI — Get AI-generated demand letters, settlement estimates, and claim coaching tailored to Arizona law.
Arizona Insurance FAQ
What happens if the other driver doesn't have insurance in Arizona?
Arizona does not require uninsured motorist coverage, but it is highly recommended. If you are hit by an uninsured driver, you would need to rely on your own uninsured motorist coverage or sue the at-fault driver directly, which may be difficult to collect on.
How does Arizona's comparative fault affect my claim?
Under Arizona's pure comparative fault rule, your compensation is reduced by your percentage of fault but never eliminated entirely. If you are found 40% at fault in a $50,000 claim, you would receive $30,000.
Can I file a diminished value claim in Arizona?
Yes, Arizona allows diminished value claims against the at-fault party's insurance. You can seek compensation for the loss in your vehicle's market value after it has been properly repaired following an accident.
Arizona Department of Insurance and Financial Institutions
Phone: (602) 364-3100
Website: https://difi.az.gov
More Insurance Guides for Arizona
Filing Claims in No-Fault States in Other States
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