Arizona Car Accident Settlement Calculator

What Is the Arizona Car Accident Settlement Calculator?

It’s a web-based tool that helps you estimate the value of your car accident settlement in Arizona. By entering specific details about your accident—like medical costs, lost wages, and insurance limits—you’ll get a customized payout estimate.

Important: This calculator doesn’t replace legal advice. It gives you a ballpark figure based on the numbers and choices you enter.

Why Arizona-Specific Matters

Arizona follows pure comparative negligence rules. That means your settlement can be reduced by your percentage of fault—even if you’re 99% to blame.

Also, under Arizona’s “pay-to-play” law (A.R.S. § 28-4033), you might be barred from getting pain and suffering compensation if:

• You didn’t have valid insurance at the time of the crash
• You were convicted of DUI in the accident

These rules are baked right into the calculator, so your estimate reflects real-world Arizona law.

How the Calculator Works: A Breakdown

Here’s how the Arizona Settlement Calculator calculates your estimated payout:

1. Property Damage

• Enter the cost to repair or replace your car.
• Select the severity of the damage: minor, moderate, severe, or totaled.

2. Medical Expenses

• Enter past medical bills.
• Add future medical costs (if any).
• Include how many days you were in recovery.

3. Lost Wages

• Enter any income you missed due to the accident.

4. Injury Severity

Choose from four levels:

• Minor (e.g., sprains)
• Moderate (e.g., whiplash, concussion)
• Serious (e.g., broken bones)
• Severe (e.g., permanent disability)

Each level applies a multiplier to your medical costs, estimating pain and suffering damages—unless barred by law.

5. At-Fault Driver’s Insurance Limits

• Input their Bodily Injury (BI) and Property Damage (PD) limits. If you don’t know, default amounts are used.

6. Your Insurance Status

• If you weren’t insured, your claim for pain and suffering could be zeroed out.

7. Fault Percentage

• You can still claim damages even if you were partly at fault—but your settlement is reduced proportionally.

8. Extra Factors That Boost or Lower Your Claim

Check any that apply:

• Police report filed
• Independent witnesses
• Represented by an attorney
• The at-fault driver was DUI
• Commercial vehicle involved
• You had pre-existing conditions (this can lower your payout)

What Does the Calculator Actually Do?

Once you click “Calculate Settlement,” it uses a script to:

• Add up your economic damages (medical bills, wages, property damage).
• Multiply those by a severity multiplier.
• Adjust for your percentage of fault.
• Apply Arizona law caps and limits (like insurance policy caps).
• Display a clean, itemized estimate showing:
  • Bodily Injury Claim
  • Property Damage Claim
  • Reductions (like fault or legal caps)
  • Final payout estimate

Example: How It Plays Out

Let’s say:

• $8,000 in medical bills
• $2,000 in lost wages
• $10,000 in car damage
• 30 recovery days
• Moderate injuries (2.5x multiplier)
• No DUI or insurance issues
• You were 20% at fault

Your total damages might be calculated like this:

• Base = $10,000
• Multiplier = 2.5 + extra factors
• General damages = $25,000+
• Fault reduction = 20%
• Insurance caps applied

Final settlement estimate? Around $28,000–$32,000, depending on exact factors.

Common Mistakes to Avoid

1. Leaving out future medical costs – These can be substantial and are often forgotten.
2. Not considering your insurance status – Arizona law can wipe out pain and suffering damages if you’re uninsured or DUI.
3. Ignoring fault percentage – Even a small percentage of fault impacts your bottom line.
4. Overestimating insurance coverage – Your payout can’t exceed the at-fault driver’s policy limits.

Benefits of Using the Calculator

• Fast – Get a result in under a minute.
• Free – No cost, no obligation.
• Private – No personal info required.
• Realistic – Based on Arizona laws and actual claim structures.
• Helpful – Gives you the confidence to talk to insurers or lawyers with numbers in hand.

Calculate Car Accident Settlement Amounts by State with Our Free Calculator