Arizona law uses a "comparative fault" analysis to determine how much each party is at fault in an accident. If the insurer is found by an arbitrator Judge or jury to be 80% at fault and your ar 20% at fault, then you will be awarded 80% of your damages (monetary compensation) against the insurer. For example, if your claim is worth $10,000.00, then you would receive $8,000.00. These numbers are simply a hypothetical illustration. Your claim may differ greatly in value, depending on the facts of your clam and the injuries you sustained.