Arizona car accident leads
Summit Leads supplies car accident leads in Arizona, one of all U.S. states it covers, by real-time ping/post, exclusive by default, with ZIP code filters. Arizona claims run against the at-fault driver, and under A.R.S. 12-2505 (2026 Arizona Revised Statutes) a claimant's own fault reduces damages but does not bar the action.
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Arizona facts for car accident lead buyers
| Fact | Value Source |
|---|---|
| Auto insurance system | Fault-based; liability policy or other approved coverage required on Arizona highways (A.R.S. 28-4135, 2026)A.R.S. 28-4135, Motor vehicle liability insurance requirement Arizona Legislature |
| Minimum liability limits | $25,000 one person, $50,000 two or more persons, $15,000 property damage, for policies issued or renewed from July 1, 2020 (A.R.S. 28-4009, 2026)A.R.S. 28-4009, Motor vehicle liability policy; requirements Arizona Legislature |
| Earlier minimums | $15,000 / $30,000 / $10,000 for policies issued or renewed on or before June 30, 2020 (A.R.S. 28-4009, 2026)A.R.S. 28-4009, Motor vehicle liability policy; requirements Arizona Legislature |
| Uninsured and underinsured motorist coverage | Insurers must offer both by written notice, in limits not less than the policy's bodily injury limits (A.R.S. 20-259.01(A) and (B), 2026)A.R.S. 20-259.01, Uninsured and underinsured motorist coverage Arizona Legislature |
| Personal injury statute of limitations | Two years after the cause of action accrues (A.R.S. 12-542, 2026)A.R.S. 12-542, Injury to person; two year limitation Arizona Legislature |
| Comparative fault rule | Pure: the claimant's action is not barred; damages reduced by the claimant's share (A.R.S. 12-2505(A), 2026)A.R.S. 12-2505, Comparative negligence Arizona Legislature |
| Damages limits | Amount recovered for injuries not subject to statutory limitation, with a felony exception (Ariz. Const. art. 18, sec. 6, 2026)Arizona Constitution, Article 18, Section 6, Recovery of damages for injuries Arizona Legislature |
| Traffic fatalities | 1,308 in 2023 (NHTSA FARS)FARS Encyclopedia: Fatalities and Fatality Rates by State NHTSA |
| Lawyer advertising rules | ER 7.1 and ER 7.3 of Rule 42; referral payment rules changed in 2021 (State Bar of Arizona, as of 2026)ER 7.1 Communications Concerning a Lawyer's Services and ER 7.3 Solicitation of New Clients (Ethics best practices) State Bar of Arizona |
Last reviewed: October 7, 2026. A summary for education, not legal advice.
Arizona's fault system and the coverage questions behind a lead
This section is general information, not legal advice. It summarizes official sources as of October 7, 2026; check the current text of each rule before relying on it.
Arizona attaches the duty to insure to the vehicle. A.R.S. 28-4135 (2026 Arizona Revised Statutes) says a motor vehicle operated on an Arizona highway must be covered by a liability policy at the section 28-4009 limits, an alternate method of coverage, a certificate of self-insurance, or a policy meeting the financial responsibility article. No personal injury protection benefit or tort threshold comes first; the claim goes to the at-fault driver's carrier.
The claimant's own policy can matter as much. Under A.R.S. 20-259.01 (2026), every insurer writing auto liability policies must offer uninsured motorist coverage and underinsured motorist coverage by written notice, in limits not less than the policy's bodily injury limits, and include them on request. Whether the injured person bought that coverage is a standard Arizona intakeIntakeThe process a law firm or its intake team uses to screen a potential client, collect the facts of the accident and injury, and decide whether to take the case. Glossary question.
Arizona also does not cap the amount. Article 18, section 6 of the Arizona Constitution says the right of action to recover damages for injuries shall never be abrogated and the amount recovered is not subject to any statutory limitation, apart from a felony-related exception.
Shared fault reduces, two years limits
Arizona does not cut a claimant off at a fault percentage. A.R.S. 12-2505(A) (2026) makes contributory negligence a question of fact for the jury and says that if the jury applies it, the claimant's action is not barred; full damages are reduced in proportion to the claimant's relative degree of fault. A claimant who intentionally, wilfully or wantonly caused or contributed to the injury has no right to comparative negligence.
The time limit is short. A.R.S. 12-542 (2026) requires actions for injuries done to the person of another to be commenced and prosecuted within two years after the cause of action accrues.
Arizona buyers therefore weigh the accident date harder than the fault answer. Fault fields still matter, because they set how much an award shrinks, but a partly at-fault claimant remains a possible case, while an old accident date can leave too little of the two years.
Arizona raised its minimum limits in 2020
A.R.S. 28-4009 (2026 Arizona Revised Statutes) sets two schedules. Policies issued or renewed on or before June 30, 2020 carry at least $15,000 for one person, $30,000 for two or more persons and $10,000 for property damage. Policies issued or renewed from July 1, 2020 carry at least $25,000, $50,000 and $15,000. The $15,000 property damage floor is lower than the bodily injury pair, so vehicle damage claims can exceed it.
Arizona fatalities in NHTSA data
The NHTSA FARS state table shows 1,308 traffic fatalities in Arizona in 2023, the most recent year this page uses as final. FARS records deaths only; it does not count the injury crashes behind most leads.
Arizona ethics rules on lawyer marketing and referral payments
This section is general information, not legal advice. It summarizes official sources as of October 7, 2026; check the current text of each rule before relying on it.
Arizona's lawyer conduct rules are the ethical rules (ERs) in Rule 42 of the Rules of the Supreme Court of Arizona. The State Bar of Arizona best practices page groups the two rules a firm buying car accident leads usually reads:
- ER 7.1, Communications Concerning a Lawyer's Services: statements about a lawyer's services cannot be false or misleading, and each communication names a responsible lawyer or firm with contact information.
- ER 7.3, Solicitation of New Clients (the State Bar's heading): limits live person-to-person solicitation of people with a known need for legal services, with narrow exceptions.
The same page says the ERs were changed in 2021 and that Arizona lawyers may now pay referral fees, and it adds a confidentiality caution about thanking a referral source without the client's informed consent. This page reports what the State Bar says; whether a given lead program fits the ERs is for the buying firm and its counsel.
What buyers in Arizona filter on
Arizona desks typically set these fields, each linked to a rule on this page:
- Accident date: the time left under section 12-542.
- Fault answers: how far section 12-2505 could reduce an award.
- Injury and treatment: the basis for damages that are not capped by statute.
- Claimant's UM/UIM coverage: relevant when the other driver carried little or no insurance.
- Representation status: filters out claimants already represented.
- ZIP code: buyers choose ZIP codes, so a campaign can be one metro or the whole state.
Where buyers filter in Arizona
Arizona's population is concentrated in two metro areas, and the rest are much smaller. The list ranks the six largest by the Census Bureau's July 1, 2025 estimates. Filters are set by ZIP code, so a buyer can cover part of a metro, several metros or rural ZIP codes outside all of them.
- Phoenix-Mesa-Chandler: 5,228,938 (July 1, 2025 estimate)
- Tucson: 1,074,685 (July 1, 2025 estimate)
- Prescott Valley-Prescott: 252,552 (July 1, 2025 estimate)
- Lake Havasu City-Kingman: 228,102 (July 1, 2025 estimate)
- Yuma: 224,449 (July 1, 2025 estimate)
- Flagstaff: 144,368 (July 1, 2025 estimate)
Source: Metropolitan and Micropolitan Statistical Area population estimates, Vintage 2025 (cbsa-est2025-alldata), U.S. Census Bureau.
Consent records for Arizona car accident leads
Arizona has its own telephone solicitation statute, and every Arizona car accident lead comes with its TCPATCPAThe Telephone Consumer Protection Act, the federal law that governs telemarketing calls and texts, autodialers, prerecorded voice messages and the Do Not Call Registry. Glossary consent record. The registration and calling rules are summarized in the state telemarketing laws table; for both MVA and home improvement, see leads in Arizona.
Arizona car accident lead questions
Did Arizona's minimum auto liability limits change in 2020?
Yes. A.R.S. 28-4009 (2026) requires $25,000, $50,000 and $15,000 for policies issued or renewed from July 1, 2020, up from $15,000, $30,000 and $10,000 before then.
Must Arizona insurers offer uninsured and underinsured motorist coverage?
Yes. A.R.S. 20-259.01 (2026) requires insurers to offer both by written notice, in limits not less than the policy's bodily injury liability limits, and to include them if the named insured asks.
What does the State Bar of Arizona say about lawyers paying for referrals?
Its ER 7.1 and ER 7.3 best practices page says the ERs changed in 2021 to permit referral fees, with a caution about client confidentiality. This is general information, not legal advice.
What does NHTSA's FARS show for Arizona road deaths in 2023?
NHTSA's Fatality Analysis Reporting System counts 1,308 Arizona traffic fatalities in 2023.
Request Arizona car accident leads
Email us the Arizona ZIP codes you cover, your daily volume or caps and how you take delivery. ReturnReturnA buyer's request for credit on a lead that fails agreed standards, such as a disconnected number, a duplicate or a lead outside the filters. Glossary terms are agreed on the onboarding call, before you go live.
Start small, with no long-term commitment
- No long-term contract. Pause or stop at any time.
- No setup fee and no monthly fee. You pay only for leads delivered that match your filters.
- Start with a small test volume and scale when the numbers work.
- MVA and home improvement leads are exclusive by default: each lead is sold to one buyer.
- Return terms are agreed on the onboarding call, before you go live.
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