Car accidents in Phoenix happen for countless reasons—speeding, distracted driving, failure to yield, and everything in between. But not all crashes result in one party being entirely at fault. In many cases, more than one driver shares some level of responsibility. If you were injured in a crash and suspect you may have played a small role in causing it, you might wonder whether you still have legal options.
In Arizona, the answer is yes. The state follows a pure comparative fault rule, which allows you to recover compensation even if you’re partially responsible for the crash. However, insurance companies know this rule well and use it to reduce payouts whenever possible. That’s why working with an experienced auto accident lawyer in Phoenix becomes essential when partial fault is in question.
Understanding Arizona’s Pure Comparative Fault Rule
Arizona law allows injured drivers to sue for damages even if they share blame for the collision. Under pure comparative fault, each party is assigned a percentage of fault, and their financial recovery is reduced accordingly. For example, if you were found to be 25% responsible for a crash and your damages totaled $100,000, you could still recover $75,000.
This system provides a fairer method of resolving car accident disputes, especially when multiple drivers contribute to a wreck. However, it also introduces a lot of gray areas. The more fault assigned to you, the less money you recover. In extreme cases, insurance companies might unjustly claim you’re mostly at fault just to avoid paying out your claim.
Even if you believe you were somewhat responsible, never assume you can’t seek damages. Comparative fault does not bar you from filing a lawsuit, no matter how high your percentage of fault might be. What matters is the strength of your evidence and how well your case is presented.
How Insurance Companies Use Fault to Their Advantage
Insurers do not want to pay more than they have to. When partial fault is possible, they often shift blame onto injured drivers to reduce claim amounts or deny them altogether. Adjusters may sound friendly, but their questions are carefully designed to gather information that can be used against you later.
Here’s how insurance companies often exploit comparative fault:
- They claim you could have avoided the accident if you had acted differently
- They argue that your actions contributed more to the crash than their insured’s
- They use gaps or inconsistencies in your statement to minimize liability
- They offer low settlements early, knowing you may not understand your rights
- They delay or deny valid claims, hoping you will give up or accept less
Insurance companies have legal teams and experienced adjusters on their side. Without legal support, it becomes easy to make small mistakes that could significantly impact your settlement.
Why Legal Guidance Can Strengthen Your Case
Hiring a skilled car accident attorney is your best defense against unfair blame. Your lawyer will collect evidence to show what really happened and push back against efforts to inflate your share of fault. From gathering police reports to consulting accident reconstruction experts, your attorney builds a case based on facts—not assumptions.
Legal professionals also know how Arizona courts typically assign fault percentages. They can negotiate directly with insurers and prevent them from twisting your words or undervaluing your injuries. If your case needs to go to court, your lawyer can present the evidence in a clear, compelling way that supports your version of events.
Whether your crash happened in downtown Phoenix, near Camelback Road, or on the Loop 101, strong legal representation ensures your voice is heard and your losses are fully accounted for. This includes medical bills, lost income, vehicle damage, and pain and suffering.
What to Do After a Crash Involving Shared Fault
If you suspect you may be partially responsible for a car accident, don’t panic. Instead, take steps to protect yourself:
- Document the scene with photos and videos
- Avoid admitting fault at the scene or in conversations with the insurer
- Seek medical attention and follow all treatment plans
- Keep detailed records of your expenses and missed work
- Contact a qualified attorney before speaking with insurance adjusters
Staying calm and collecting as much information as possible gives your legal team a better chance to reduce your assigned fault and secure maximum compensation.
Speak with a Phoenix Lawyer Before You Settle
If you’ve been hurt in a car accident and believe you might share some blame, you still have legal rights. Arizona law allows you to recover compensation—even when fault is split. Insurance companies want you to settle quickly and for less, especially when fault is unclear.
Before you accept any offer or make a statement, speak with a trusted professional. An auto accident lawyer in Phoenix can evaluate your case, explain your options, and help you move forward with confidence.
Don’t let partial fault stop you from getting the help and financial support you deserve. Call a local attorney today and take the first step toward justice.