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Estimate the potential value of your Arizona injury case in about 2 minutes.
USE THE CALCULATOR ↓Free informational tool. Not legal advice. Hablamos español.
This calculator provides an informational estimate only. It is not legal advice and does not create an attorney-client relationship. Past results do not guarantee future outcomes.
Workplace injury? Use the Arizona workers' comp settlement calculator instead.
Arizona divides injury damages into two categories, and every settlement number is built from both. Economic damages are the losses that come with a receipt or a records request: emergency care, surgery, imaging, therapy, prescriptions, projected future treatment, wages you did not earn while you were out, and any lasting reduction in what you are able to earn going forward. These are proven with bills, employment records, and, in larger cases, expert testimony about future costs.
Non-economic damages cover what the paperwork does not show — pain, the disruption to daily life, loss of the activities you used to do, disfigurement, and the emotional weight of the injury. There is no formula in Arizona law that converts an injury into a non-economic figure. Adjusters and lawyers reason from the medical record, the length and intensity of treatment, whether the injury is permanent, and how the injury actually changed the person's life. That is why our post on what your case may be worth spends more time on evidence than on numbers.
Article 2, Section 31 of the Arizona Constitution provides that no law shall be enacted limiting the amount of damages recoverable for causing death or injury. Arizona is unusual in this respect: many states cap non-economic damages in some or all injury cases, and Arizona's constitution forecloses that.
This matters practically, not just theoretically. It means the value of a serious injury claim is not truncated by a statutory ceiling, and it means an adjuster cannot point to a cap as a reason a claim is worth less than the evidence supports. It does not mean any claim is worth an unlimited amount — the ceiling in most real cases is the available insurance, which is discussed below.
Arizona follows pure comparative fault. Under A.R.S. § 12-2505, your recovery is reduced by your own percentage of fault, but it is never eliminated by it. A person found mostly at fault can still recover the remaining share, which is a meaningfully more forgiving rule than the modified comparative fault systems used in most states.
Because fault is a percentage rather than a yes-or-no question, it becomes one of the main things insurers argue about. Expect an adjuster to press on whether you were speeding, distracted, wearing a seat belt, or in a place you should not have been, because every point of fault assigned to you comes directly off the settlement. Our overview of Arizona's comparative fault rule explains how those allocations get made, and the same statute drives how liability works in car accident claims.
A claim is only as collectible as the assets and insurance standing behind it. In most cases the realistic ceiling is the at-fault party's liability policy limit, plus whatever additional coverage can be reached. That is why identifying every available layer early matters:
A case whose damages exceed the available coverage is valued differently from one comfortably inside the limits, and that distinction, not the injury alone, often explains why a settlement lands where it does.
The gross settlement figure and the amount that reaches your bank account are two different numbers. Under A.R.S. § 33-931, a health care provider that treats an injured person may record a lien against the recovery for the customary charges of that care. Health insurers, AHCCCS, Medicare, and Medicaid may also assert reimbursement rights out of a settlement.
Those claims are paid from the settlement before the net goes to the client, which is why a lien that is inflated, duplicative, or improperly perfected is worth fighting about. Reducing a lien increases your net recovery just as directly as increasing the settlement does — sometimes more efficiently, because it does not require the insurer to agree. Our post on how medical liens work in Arizona walks through the mechanics. This calculator estimates gross value only; it does not attempt to model liens, and it does not deduct attorney fees or case costs.
The calculator takes the information you enter about your medical treatment, lost income, and injury severity and produces a rough range using the general framework Arizona claims are valued under. It is useful for orienting yourself before an adjuster gives you a number, and for seeing which inputs move the range the most.
It cannot do the following:
Nothing produced here is binding on any insurer, and it is not a prediction of what a specific case will pay.
Settlement values depend on many things this calculator can't fully capture. Here are the most important factors.
More serious injuries generally produce higher settlements. A sprain or bruise resolves in weeks; a surgery has months of recovery and significant medical bills; a permanent disability affects earning capacity and quality of life for decades. Documented medical treatment is critical — without medical records, even serious injuries are difficult to value.
All medical costs — emergency room, surgery, physical therapy, prescriptions, diagnostic imaging, and projected future care — are typically recoverable as economic damages. Documenting every expense is essential, including travel costs to appointments and any out-of-pocket medical equipment.
Past lost wages cover work you missed because of the injury. Future earning capacity covers reduced ability to earn going forward — relevant when an injury permanently limits your career. Salary, hourly wages, freelance income, tips, and self-employment income all count.
Non-economic damages compensate for physical pain, emotional distress, and reduced enjoyment of life. They are typically calculated using a multiplier method (medical expenses × a severity factor of 1.5x to 5x or higher) or a per-diem method (a daily rate × days of recovery). These damages are inherently subjective.
Arizona follows pure comparative fault (A.R.S. § 12-2505). Even if you are 90% at fault, you can still recover 10% of your damages. Settlement amounts are reduced by your assigned percentage of fault, so disputed liability or evidence that you contributed to the accident lowers your expected recovery.
The at-fault party's insurance policy limits often cap the practical recovery. If the at-fault driver carries Arizona's $25,000 minimum, that is often the realistic ceiling unless they have personal assets or you have underinsured-motorist (UIM) coverage on your own policy.
Insurance Research Council studies have repeatedly shown that represented claimants recover roughly 3 to 3.5 times more on average than unrepresented claimants. Experienced personal injury attorneys negotiate from a position of credibility — they know what cases are worth and they know which insurers settle versus which need to be sued.
You generally have 2 years from the date of your injury to file a personal injury lawsuit in Arizona (A.R.S. § 12-542). Some exceptions exist — including longer deadlines for cases involving minors, claims against government entities (which have shorter notice requirements), and discovery-based claims. After this deadline passes, you typically lose your right to recover compensation entirely.
Arizona is a pure comparative fault state (A.R.S. § 12-2505). Even if you were partially responsible — even 90% responsible — you can still recover damages, reduced by your percentage of fault. For example, if your case is worth $100,000 and you were 30% at fault, you can recover $70,000.
Arizona requires minimum auto liability insurance of $25,000 per person / $50,000 per accident for bodily injury, and $15,000 for property damage. Many at-fault drivers carry only these minimums, which can limit the practical recovery in serious injury cases unless additional coverage (UIM, umbrella policies, or personal assets) is available.
Unlike some states, Arizona generally does not cap compensatory damages in personal injury cases. There is no statutory limit on the amount you can recover for medical bills, lost wages, or pain and suffering. (Punitive damages, however, are subject to different rules and constitutional limits.)
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