Fault in a Arizona car accident: what happens if you were partly to blame
Arizona uses pure comparative fault: your recovery is reduced by your share of the blame, but you are not barred from recovering even if you were mostly at fault.
Arizona’s rule
Arizona uses pure comparative fault: your recovery is reduced by your share of the blame, but you are not barred from recovering even if you were mostly at fault.
Under Arizona’s pure comparative fault rule, a driver found 30% at fault recovers 70% of their damages, and a driver found 80% at fault still recovers 20%.
Source: Ariz. Rev. Stat. § 12-2505
How insurers use the percentage
Fault is not decided by the police report. The report is evidence, but the percentage that ends up in a settlement is negotiated — and the adjuster’s opening number is chosen to lower what their company pays.
In Arizona a higher fault figure never zeroes your claim, but every point comes straight off what you recover.
Evidence that decides fault
Photographs of the vehicles’ final positions and damage, dashcam and nearby business video, independent witnesses, the police report and any citations, 911 call records, and the vehicles’ event data recorders. The earlier these are collected, the more of them exist.
Traffic-code violations carry weight. A driver who ran a red light, followed too closely or failed to yield broke a rule written into Arizona’s vehicle code, and that makes the fault argument concrete rather than one driver’s word against another’s.
Arizona is an at-fault insurance state
The at-fault driver’s liability insurance pays for the injuries they caused. There is no mandatory no-fault PIP coverage paying your medical bills first.
Frequently asked questions
Can I recover if I was partly at fault in Arizona?
Yes. Arizona reduces your recovery by your share of fault but never bars it.
Does the police report decide who was at fault?
No. It is important evidence, but fault in an insurance claim or lawsuit is decided on all the evidence, and officers’ conclusions are often disputed.
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This page is general information about Arizona law, reviewed September 2026. It is not legal advice, laws change, and the right answer for your claim depends on its facts. CaseChecker.ai is not a law firm; it connects people with independent attorneys licensed in their state.