Arizona

Pre-Settlement Funding in Arizona

If you have an active personal injury lawsuit in Arizona, pre-settlement funding can provide a non-recourse cash advance against your case's expected value — no credit check, no monthly payments, and repayment only from your settlement if your case wins.

Arizona uses pure comparative negligence, generally gives plaintiffs two years to file, and — unlike most states — has no cap on damages in personal injury cases, since the Arizona Constitution prohibits one.

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Know the Law

Arizona Personal Injury Law: What Affects Your Case

Arizona's personal injury case volume is concentrated around its largest metro areas — Phoenix and Tucson — with significant filing volume tied to vehicle traffic, tourism, and a fast-growing population.

Fault Rule	Pure comparative negligence — your damages are reduced by your percentage of fault, but you can still recover even if found up to 99% at fault. Only a finding of 100% fault bars recovery entirely.
Statute of Limitations	Generally 2 years from the date of injury for most personal injury claims (A.R.S. § 12-542). Claims against a city, county, or state government agency generally must be filed within 1 year. Claims under Arizona's strict-liability dog bite statute generally must be filed within 1 year as well.
Damages Cap	None. The Arizona Constitution (Art. 2, § 31) prohibits any law that limits the amount of damages recoverable for causing death or injury — there is no cap on economic or non-economic damages in personal injury cases.
Liability Rule	Several-only liability is the default (A.R.S. § 12-2506) — each defendant is liable only for the percentage of fault allocated to them, not the full judgment. Exceptions exist for defendants acting in concert, vicarious liability (such as an employer for an employee's negligence), and certain federal claims.
Litigation Funding Regulation	Regulated under Senate Bill 1215, signed into law in 2025. The law requires disclosure of litigation financing agreements in mass tort and class action/MDL cases, bars funders from controlling legal strategy or settlement decisions, requires disclosure of referral fees, and prohibits funding from foreign countries of concern.

Eligibility

Who Qualifies for Funding in Arizona

Most active Arizona personal injury cases with attorney representation can be reviewed for funding — car accidents, premises liability, dog bites, and product liability cases are all common, with significant filing volume in Maricopa and Pima counties.

Funding review focuses on liability strength and realistic settlement value. Because Arizona has no statutory or constitutional ceiling on damages, catastrophic and high-value injury cases can be evaluated against their full projected recovery rather than against a capped maximum.

Why It Matters

Why Arizona's Ban on Damages Caps Matters

Many states cap non-economic or punitive damages in personal injury cases, which can limit recovery even in the most serious injury claims. Arizona's Constitution specifically forbids the legislature from capping damages for death or injury, so a catastrophic injury case in Arizona is valued on its full economic and non-economic merits — medical costs, lost earning capacity, and pain and suffering — without a statutory ceiling working against it.

Arizona's several-only liability rule also matters in multi-defendant cases: each defendant pays only their own share of fault, so identifying every potentially liable party — and their available insurance — is critical, since you generally cannot collect a non-paying defendant's share from a co-defendant.

Q&A

Frequently Asked Questions

Can I get funding if I was partly at fault for my Arizona accident?

Yes, in most cases. Arizona uses pure comparative negligence: your damages are reduced by your percentage of fault, but you can still recover even if you are found up to 99% at fault. Only a finding of 100% fault bars recovery entirely.

How long do I have to file a personal injury lawsuit in Arizona?

Generally two years from the date of injury for most personal injury claims (A.R.S. § 12-542). Claims against a city, county, or state agency generally must be filed within one year, and claims under Arizona's strict-liability dog bite statute generally must be filed within one year as well.

Does Arizona cap damages in my case?

No. The Arizona Constitution prohibits any law that limits the amount of damages recoverable for causing death or injury, so there is no cap on economic or non-economic damages in personal injury cases.

Is litigation funding regulated in Arizona?

Yes. Senate Bill 1215, signed into law in 2025, requires disclosure of litigation financing agreements in mass tort and class action/MDL cases, bars funders from controlling legal strategy or settlement decisions, and prohibits funding from foreign countries of concern.

How fast can I get funding for an Arizona case?

Most applications are reviewed within 24 hours of receiving your information and attorney confirmation.