What is a car accident claim worth in Arizona?
Every rule below is quoted from Arizona law or a state agency, with a link. Checked September 17, 2026.
The short answer
Nobody can price your claim from a web page, and any site that gives you one number is guessing. What we can show you is real: the amount insurers actually paid per claim in Arizona, and the Arizona rules that raise or lower what you collect. $23,291 was the average injury claim paid in Arizona in 2022.
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Averages come from NAIC 2022/2023 Auto Insurance Database Report. State rules are quoted from Arizona law on this site, each with a link.
What claims paid in Arizona
Injury claims in Arizona averaged $23,291 each in 2022.
Car and property damage claims averaged $6,424.
| Injury claim paid by the at fault driver's insurance | $23,291 |
|---|---|
| Car and property damage | $6,424 |
| Medical payments coverage, paid by your own policy | $3,962 |
| Collision coverage, paid by your own policy | $6,882 |
These are averages of every claim insurers closed, from the largest to the smallest. A claim with a hospital stay sits far above the average, and a fender bender sits far below it.
What changes the number in Arizona
If you were partly at fault
Arizona uses pure comparative fault. Your damages are reduced by your percentage of fault, but you can still recover money even if you were mostly at fault, unless you caused the crash on purpose or through willful or wanton conduct.
“the claimant's action is not barred, but the full damages shall be reduced in proportion to the relative degree of the claimant's fault”
The other driver's policy limit is the ceiling
As of July 1, 2020, Arizona's minimum liability limits are $25,000 per person, $50,000 per accident for injury, and $15,000 for property damage.
“$25,000 because of bodily injury to or death of one person in any one accident" and "$50,000 because of bodily injury to or death of two or more persons in any one accident" with "$15,000 because of injury to or destruction of property of others in any one accident”
If the other driver has no insurance
Insurers must offer you uninsured motorist and underinsured motorist coverage in writing. You can turn down each one, but you have to reject it in writing; it is not automatically included.
“make available to the named insured... the policy declarations page... constitutes the final expression of the named insured's decision to purchase or reject”
The deadline that ends the claim
You generally have 2 years from the crash to sue for injuries.
“there shall be commenced and prosecuted within two years after the cause of action accrues”
What a lawyer takes if you hire one
Arizona has no dollar or percentage cap on personal injury contingency fees. The fee has to be reasonable, and the contingency fee agreement must be in a writing signed by the client.
“A contingent fee agreement shall be in a writing signed by the client and shall state the method by which the fee is to be determined, including the percentage or percentages that shall accrue to the lawyer in the event of settlement, trial or appeal”
Sources on this page
Each one was opened and checked on September 17, 2026.
Know My Claim is not a law firm or a government agency, and this page is not legal advice. Laws change, so check the linked source before you rely on a deadline.