How Long You Have to Sue Your Insurer in Arizona
Arizona has one of the wider gaps between its two relevant deadlines, which makes how a claim is framed unusually consequential here.
Two years, or six
The bad-faith tort generally runs two years. A claim on the written insurance contract generally runs six. That four-year spread means a claim can be well outside the tort deadline while still being live in contract.
A regulatory notice that may help
Arizona's claims-handling regulations require an insurer to give notice when a limitations deadline is approaching — 30 days for first-party claims and 60 for third-party. It is a regulatory duty rather than a claim you can sue on, but it is worth knowing it exists.
Why we do not offer a calculator for this
In personal injury a deadline calculator works because there is one answer per state. Bad faith has several, depending on how the claim is framed and what the policy says. A tool that picked one would be confidently wrong for many readers, and the cost of that error is the claim itself.
What to do instead
Work from the earliest plausible date and have the specific facts reviewed early. If a denial or a long delay has happened, that review should not wait.
Common questions
How long do I have to sue my insurer in Arizona?
Roughly two years for the bad-faith tort and six for the written contract, subject to accrual and any policy limitation provision.
Does my insurer have to warn me about the deadline?
Arizona's claims-handling rules require notice of an imminent limitations deadline — 30 days first-party, 60 days third-party — as a regulatory duty.
Is your insurer treating you unfairly?
A free, confidential review can tell you whether what happened crosses the line — no cost, no obligation.
Related Arizona law
Official sources
General information about Arizona law, not legal advice. Every policy and every claim is different.