Arizona policyholders
Insurance policies are written for insurers, not for you. We explain how claims actually work in Arizona, in plain English.
How a car accident claim moves from the crash to a resolution.
Who pays medical bills while a claim is open, and in what order.
What an adjuster does, what they ask, and how to respond.
Plain-English translations of the coverages on your policy.
Signs a claim has moved beyond what you should handle alone.
Who can bring an Arizona wrongful death claim, who the recovery goes to, and how damages work under A.R.S. §§ 12-611, 12-612 and 12-613. The deadline runs from the date of death.
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Arizona requires liability limits of at least 25/50/15 under A.R.S. § 28-4009. What the minimums are, what they cover, and what they mean for an injury claim.
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Arizona's pure comparative fault law (A.R.S. § 12-2505) reduces your recovery by your share of fault instead of barring it. Here is how it works after a crash.
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Arizona gives most injury claimants two years to file suit under A.R.S. § 12-542. What the deadline covers, when it starts, and how minors and government claims differ.
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Arizona requires a notice of claim within 180 days for crashes caused by government entities under A.R.S. § 12-821.01 — miss it and the claim is barred.
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Arizona's updated distracted driving law took effect September 12, 2026: higher repeat fines, a video-content ban even in hands-free mode, and what a citation can mean in an injury claim.
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