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Comparative negligence in Arizona — how shared fault works

Arizona uses pure comparative negligence, meaning your recovery isn't barred even if you share fault. Here's how it works in real cases.

Arizona is one of a small group of states that uses pure comparative negligence. That single rule shapes nearly every injury claim in the state — from rear-end collisions to multi-defendant trucking cases.

The rule, plainly

  • Fault can be split among multiple parties, including the injured person.
  • Your recovery is reduced by your percentage of fault — not eliminated.
  • Even at 90% at fault, you can still recover the remaining 10%.
  • Comparative-fault arguments are the single most common defense tactic.

A simple example

A jury values your damages at $100,000 and finds:

Other driver's fault
70%
Your fault
30%
Net recovery
$70,000

The same case in a “modified comparative negligence” state with a 50% bar (most of the country) would yield the same result. But push your share to 51%, and many states would zero you out — Arizona would still award $49,000.

Where the percentages actually come from

In a settlement, the percentages are negotiated between counsel and the insurer based on the evidence. In litigation, they’re decided by the jury. The factors that move the number include:

  • Police report findings and citations

    Influential at the negotiation stage; not binding at trial.

  • Independent witness statements

    Especially statements taken in the days after the crash.

  • Surveillance and dashcam footage

    Often the cleanest evidence — when preserved.

  • Vehicle event-data recorder downloads

    Speed, brake, throttle, seatbelt status — disputable percentages become factual ones.

  • Reconstruction expert analysis

    In serious cases, an engineer can model what physically had to occur.

  • Phone records

    Distracted-driving allegations resolve quickly when records are pulled.

How insurers use comparative negligence against you

The most common pattern: the insurer accepts that their driver was “mostly” at fault but suggests you were 20–40% responsible — for following too closely, not braking sooner, having a vehicle older than five years, or any number of other quiet attributions. Each percentage point of “your fault” is a percentage point off your recovery.

A skilled firm pushes back with documented evidence at every step, often turning a “60/40 split” into a “100/0” liability admission before the demand even goes out.

See also

Questions about how this applies to your case?

A short conversation with an attorney can save weeks of guesswork.

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