Dealing With the Facility & Insurer in Arizona
After a child is hurt, the daycare or school and its insurer — and for a public school, government lawyers — often move to limit their exposure. They control the records, and how a claim is handled from the start matters, especially with a short public-school deadline possible.
They control the records
The facility holds the incident reports, staffing and ratio records, inspection results, and any footage — the evidence that shows what happened. Acting quickly, with a lawyer, to request and preserve it protects the claim before anything is lost.
Be careful early
You are generally not required to give a recorded statement, and it is wise to get advice first. Early offers are often far below what a child's claim is worth, and are made before the full harm and future needs are known.
How we help
We request and preserve the records, protect any deadline, deal with the facility and insurer for you, and negotiate — or litigate — from the evidence. The review is free and confidential. Se habla español.
Frequently asked questions
The daycare’s insurer offered us something already. Should we accept it?
Get advice first. Early offers are often far below a child's claim value and are made before the full harm and future needs are known. Once the records are obtained and the injury understood, the picture can change.
Arizona law — what people ask
How long do I have to file an injury claim in Arizona?
Generally two years. But if a public entity is involved you must serve a formal notice of claim within 180 days and file suit within one year — and Arizona runs a much shorter one-year clock on dog-bite strict-liability claims specifically.
Can I still recover if I was partly at fault in Arizona?
Yes. Arizona applies pure comparative negligence, so fault reduces your recovery rather than ending the claim, and there is no percentage at which it cuts off. Arizona also treats fault questions as belonging to the jury rather than being resolved beforehand.
Does Arizona cap what I can recover?
No — and this sets Arizona apart from most states. Its constitution prohibits laws limiting damages for injury or death, and that applies to medical-malpractice claims too, where most states impose a cap. If you have read that pain and suffering is capped, that is not Arizona law.
What if more than one party was responsible?
Arizona generally applies several liability, so each responsible party answers for its own share rather than the whole judgment. That makes identifying every responsible party early a practical question about what is actually collectible.
The driver who hit me had no insurance. What now?
Your own uninsured or underinsured coverage is the usual route. Arizona also requires insurers to offer that coverage in writing — so if you were told your policy carries none, the underwriting file is worth checking before that answer is accepted.
Will the jury hear that my health insurance paid my bills?
Usually not — Arizona generally follows the collateral source rule. Medical-negligence cases are the statutory exception, where that evidence has been made admissible, which changes how medical damages are presented in those claims specifically.
Injury law in Arizona
Arizona injury law has some features that set it apart from its neighbors.
- Filing deadline: Arizona generally gives you two years from the injury to file, but only 180 days to serve a notice of claim on a public entity.
- Fault: Arizona follows pure comparative negligence — being partly, or even mostly, at fault reduces your recovery but does not bar it.
- Damage caps: Arizona is unusual: its constitution prohibits caps on injury or death damages, so a statutory cap does not limit what you can recover.
- Multiple defendants: Arizona generally applies several (not joint) liability, so each responsible party is accountable for its own share.
Related topics
California injury law
This is general information about Arizona injury law, not legal advice. Every case is different.
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