Arizona Car Accident Settlement Calculator
Get a rough estimate of what a Arizona car-accident injury claim might be worth, based on your medical bills and losses. This is an estimate to understand the factors — not a prediction or an offer.
This is a rough estimate, not a prediction or an offer.
No tool can predict a settlement. This uses the common "multiplier method" to show the factors that drive value and a wide range — actual outcomes depend on the facts, the available insurance limits, the venue, and negotiation. Consult a Arizona car-accident attorney about your case.
Enter your medical bills and losses to see an estimated range
The multiplier method (pain-and-suffering as a multiple of your medical bills) is a common starting point, not a guarantee. A real recovery is also capped by the available insurance (the at-fault driver's limits, or your own UM/UIM coverage). Most car-accident cases settle; an attorney is the only way to value your specific claim. This tool is not legal advice and RecordingLaw.com is not a law firm.
How the Estimate Works
No tool can predict a car-accident settlement — every case is different and the number depends on the facts, the available insurance, the venue, and negotiation. This calculator applies the multiplier method: it adds your economic damages (medical bills, lost wages, vehicle damage), then estimates pain and suffering as a multiple of your medical bills (about 1.5× for minor injuries up to 5× or more for catastrophic ones), and shows a wide range. It then applies Arizona's fault rule and flags the insurance limits that cap a real payout.
Arizona Is an at-fault (tort) state
Arizona is a traditional at-fault (tort) state. It is NOT one of the 12 no-fault/PIP states (FL, MI, MN, NY, ND, HI, KS, KY, MA, NJ, PA, UT). The at-fault driver's liability insurance pays for the other party's injuries and property damage, and an injured person may sue the at-fault driver directly for all damages, including pain and suffering, with no statutory injury threshold. Arizona has no mandatory personal injury protection (PIP) and is not a choice or add-on PIP state.
Minimum Insurance & UM/UIM in Arizona
A settlement is only collectible up to the available insurance. Arizona's minimum required liability coverage is $25,000 per person / $50,000 per accident for bodily injury and $15,000 for property damage. Many drivers carry only the minimum, so a large claim can exceed the at-fault driver's policy. Minimum mandatory liability limits under A.R.S. § 28-4009 for policies issued or renewed on or after July 1, 2020: $25,000 bodily injury per person / $50,000 bodily injury per accident / $15,000 property damage (25/50/15). These replaced the prior 15/30/10 minimums, which still apply to certain self-insurance certificate holders. Arizona mandates motor vehicle financial responsibility under A.R.S. § 28-4135.
Uninsured/underinsured motorist (UM/UIM): if the other driver had no insurance or fled the scene, your recovery comes from your own UM/UIM coverage. In Arizona, UM/UIM is must be offered (you may reject it in writing). Under A.R.S. § 20-259.01, insurers must offer (make available, by written notice) uninsured motorist (UM) coverage and underinsured motorist (UIM) coverage in limits up to the policy's bodily-injury liability limits. Both coverages are optional for the insured and may be selected at lower limits or rejected; the policy declarations page constitutes the named insured's final decision to purchase or reject. UM/UIM is not required to be carried, only required to be offered.
Fault & Your Recovery: pure comparative negligence
Arizona follows pure comparative negligence. Your award is reduced by your share of fault, but you can still recover something even if you were mostly at fault.
Deadline to File a Arizona Car-Accident Claim
Arizona generally requires a car-accident injury lawsuit to be filed within 2 years of the crash (the statute of limitations). A.R.S. § 12-542 sets a two-year statute of limitations for personal injury (and wrongful death) actions, running from the date the cause of action accrues; this governs auto-accident injury claims. Note the shortened deadlines for claims against government defendants: a notice of claim must be filed within 180 days (A.R.S. § 12-821.01) and suit brought within one year (A.R.S. § 12-821). Miss it and your claim is usually barred no matter how strong it is, so do not wait to talk to an attorney.
- Arizona is an at-fault (tort) state: the driver who caused the crash (and their insurer) is responsible for the other party's injuries and property damage. There is no no-fault/PIP system and no injury threshold to clear before suing for pain and suffering.
- Minimum liability insurance is 25/50/15 - $25,000 per person and $50,000 per accident for bodily injury, plus $15,000 for property damage (A.R.S. § 28-4009, effective for policies issued/renewed on or after July 1, 2020).
- Fault is shared under pure comparative negligence (A.R.S. § 12-2505): your recovery is reduced by your own percentage of fault, but you can still recover even if you were mostly at fault.
- You generally have two years from the accident date to file an injury lawsuit (A.R.S. § 12-542). Claims involving a city, county, or state defendant have much shorter deadlines - a 180-day notice of claim and a one-year suit deadline.
- Uninsured/underinsured motorist (UM/UIM) coverage must be offered to you in writing but is optional - you can buy it up to your liability limits or reject it (A.R.S. § 20-259.01). It is strongly recommended given Arizona's significant uninsured-driver population.
- Arizona does not require PIP; first-party medical coverage (MedPay) is available only if you choose to add it.
Frequently Asked Questions
How much is my Arizona car accident claim worth?
No one can tell you a number in advance. A rough estimate adds your economic damages (medical bills, lost wages, vehicle damage) and applies a pain-and-suffering multiplier, then adjusts for fault under Arizona's pure comparative negligence rule. The real value also depends on the available insurance limits — an attorney is the only way to value your specific case.
Is Arizona a no-fault state?
Arizona is a traditional at-fault (tort) state. It is NOT one of the 12 no-fault/PIP states (FL, MI, MN, NY, ND, HI, KS, KY, MA, NJ, PA, UT). The at-fault driver's liability insurance pays for the other party's injuries and property damage, and an injured person may sue the at-fault driver directly for all damages, including pain and suffering, with no statutory injury threshold. Arizona has no mandatory personal injury protection (PIP) and is not a choice or add-on PIP state.
Does my own fault reduce my Arizona settlement?
Yes. Arizona follows pure comparative negligence. Your award is reduced by your fault percentage but never eliminated.
How long do I have to file in Arizona?
Generally 2 years from the crash. A.R.S. § 12-542 sets a two-year statute of limitations for personal injury (and wrongful death) actions, running from the date the cause of action accrues; this governs auto-accident injury claims. Note the shortened deadlines for claims against government defendants: a notice of claim must be filed within 180 days (A.R.S. § 12-821.01) and suit brought within one year (A.R.S. § 12-821).
Is this calculator accurate?
It is a rough estimate to show the factors that drive value — not a prediction or an offer. Real settlements vary enormously and are capped by the available insurance. Treat any number here as a ballpark and consult a Arizona car-accident attorney.
Disclaimer
This estimator is for general informational purposes only and is not legal advice or a prediction of any outcome. RecordingLaw.com is not a law firm. The value of a car-accident claim can only be assessed by a licensed attorney reviewing your specific facts.