Phoenix Car Accident Lawyer

When a car accident turns your life upside down, the last thing you should be worrying about is fighting the insurance company alone. At Runion Personal Injury Lawyers, our Phoenix car accident lawyers are here to handle the hard work so you can focus on what matters most  your recovery. If you or a loved one has been injured in a crash anywhere in the Phoenix area, you may be entitled to significant compensation, and we are ready to fight for every dollar you deserve.

Without experienced legal representation, insurance adjusters will work quickly to minimize your claim, pressure you into a lowball settlement, or find reasons to deny your case altogether. Don’t let that happen. Contact our Phoenix car accident attorneys today for a free case evaluation —\ in English or Spanish — with no obligation and no upfront cost.

 

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$50+ Million Recovered

Our Phoenix car accident lawyers have an unwavering commitment to helping injury victims recover physically, financially, and emotionally. Call our law office today to speak with one of our seasoned personal injury attorneys. We provide free case evaluations in both English and Spanish, serving clients throughout the state.

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According to the Arizona Department of Transportation’s Arizona Motor Vehicle Crash Facts, Maricopa County, which encompasses the Phoenix area, was responsible for 71.36% of all crashes statewide.

What Can I Expect to Pay?

Runion Personal Injury Lawyers operates on a contingency fee basis backed by our Net Recovery Guarantee: you pay absolutely nothing unless and until we recover compensation for you. There are no upfront retainer fees, no hourly billing, and no hidden costs. Our fee is a percentage of the final settlement or verdict, which means our financial interests are directly aligned with yours — the better your outcome, the better for both of us.

This model means that any Phoenix car accident victim, regardless of financial situation, can access experienced legal representation from day one with zero financial risk.

Who Pays for My Medical Bills While My Case is Pending?

One of the most pressing concerns our clients have is how to pay for ongoing medical treatment before their case settles. Here are the main options available to Arizona car accident victims:

  • MedPay (Medical Payments Coverage): If your auto insurance policy includes MedPay, it covers your medical bills regardless of fault and regardless of whether a settlement has been reached. Arizona insurers are required to offer MedPay, though not all drivers elect to carry it. If you have it, it can cover treatment costs immediately.
  • Health insurance: Your personal health insurance will typically cover accident-related treatment, though your insurer may later assert a lien against your settlement to recover what it paid. We manage these liens as part of your case to ensure you keep as much of your recovery as possible.
  • Medical treatment on a lien: For clients without adequate insurance coverage, we can connect you with Phoenix-area medical providers who will treat you on a medical lien — deferring payment until your case settles. You receive the care you need now with no out-of-pocket cost.
  • Settlement proceeds: All medical costs — past and future — are accounted for in your settlement demand. Nothing that was reasonably necessary for your treatment should ultimately come out of your own pocket.

Your Deadline for Filing a Car Accident Claim in Arizona

Under Arizona Revised Statutes § 12-542, injured parties have two years from the date of the accident to file a personal injury claim. For wrongful death cases, the same two-year clock runs from the date of death rather than the date of the crash.

While two years may seem like plenty of time, waiting is dangerous. Evidence degrades — surveillance footage is overwritten within days or weeks, witnesses become harder to locate, and physical evidence from the scene disappears. The stronger and faster we move, the more leverage we have in negotiation.

There are also important exceptions that can shorten your window significantly:

  • Claims against government entities: If the at-fault party is a city, county, or state agency — such as the City of Phoenix or ADOT — Arizona’s notice of claim statute may require you to file as little as 180 days after the incident.
  • Minors: The two-year clock generally does not begin until the injured minor turns 18.
  • Hit-and-run accidents: Different rules may apply depending on when and whether the at-fault driver is identified.

If you are unsure how the deadline applies to your specific situation, contact Runion Personal Injury Lawyers as soon as possible. Acting early always produces stronger evidence, stronger cases, and better outcomes.

Our Process for Handling Your Phoenix Car Accident Case

From the moment you contact us to the day your settlement check arrives, here is exactly how we handle your case:

  1. Free case evaluation: We listen to your story, assess the strength of your claim, and explain your legal options — at no cost and with no obligation. We will give you an direct, honest assessment of your case.
  2. Investigation and evidence gathering: Our team immediately begins collecting police reports, medical records, witness statements, traffic camera footage, and any other documentation relevant to your case. Acting quickly preserves evidence that would otherwise disappear.
  3. Medical treatment coordination: If needed, we connect you with appropriate Phoenix-area medical providers who can treat your injuries and document them properly for your claim — at no upfront cost to you.
  4. Demand letter preparation: Once your medical condition has stabilized and we have a clear picture of your total damages, we prepare a comprehensive demand package for the at-fault insurer. This document lays out the full evidence of liability and the complete scope of your losses.
  5. Insurance negotiations: Our attorneys negotiate aggressively with the insurance company to reach a settlement that fully compensates you. Derick Runion’s background in the insurance industry gives us direct insight into how adjusters evaluate claims — and how to counter their strategies effectively.
  6. Filing suit if necessary: If the insurer refuses to offer a fair settlement, we file a lawsuit in Maricopa County Superior Court. This is not a bluff — we are fully prepared and willing to litigate your case to verdict.
  7. Discovery: During litigation, both sides exchange evidence, conduct depositions, and retain expert witnesses. Our team manages every aspect of this process on your behalf so you are never left navigating it alone.
  8. Mediation or trial: Most cases settle during or after the discovery process, often through formal mediation. If the case does not settle, we present your case before a jury and fight for the maximum verdict available.
  9. Settlement disbursement: Once a settlement or verdict is finalized, we resolve all outstanding liens (medical providers, health insurance), deduct our contingency fee, and ensure you receive the maximum net recovery possible.

 

Do You Have Grounds for a Car Accident Claim in Phoenix?

Before pursuing compensation, four legal elements must be established. Our team works to prove each of the following on your behalf:

  • Duty of care: Every driver on Arizona roads is legally obligated to operate their vehicle safely and responsibly toward others sharing the road. This duty applies to all motorists, regardless of whether they are on a residential street or the I-10 freeway.
  • Breach of duty: A breach occurs when a driver fails to meet that standard — through speeding, running a red light, driving impaired, or texting behind the wheel. We gather police reports, witness statements, and traffic camera footage to demonstrate exactly how the at-fault party fell short.
  • Causation: We must show that the driver’s negligence directly caused the accident and your injuries — not a pre-existing condition, not an unrelated incident. Medical records, expert testimony, and accident reconstruction are all tools we use to establish this link.
  • Damages: You must have suffered actual, compensable losses — physical injuries, financial harm, or emotional suffering. Our team meticulously documents every loss so nothing is left on the table.

If all four elements are present in your case, you have grounds for a claim. Contact Runion Personal Injury Lawyers for a free evaluation and let us assess your situation at no cost.

Why Phoenix Chooses Runion Personal Injury Lawyers?

Our Phoenix auto injury attorneys are experts in the legal process after an auto collision. Our founder, Derick Runion, is a native Phoenician and ASU graduate who is based right here in the Valley. He knows the roads where accidents happen most — the I-10 through downtown, the Loop 101, SR-51, and the congested intersections along Camelback Road and Van Buren Street. He knows the Maricopa County Superior Court and the local insurance carriers operating in Arizona. This is not generic legal work — it is Phoenix-specific advocacy from someone who lives and works in this community.

Our dedicated legal team has over 20 years of collective experience handling auto accident cases for clients in Phoenix and across Arizona. Since 2011, we have stood up for clients across the state, achieving a 99% success rate and recovering over $50 million. We have earned national recognition through Super Lawyers, are accredited by the Better Business Bureau, and are active members of Los Abogados, Plan Phoenix Legal Action Network, ATAA, and the American Constitution Society. We operate with a Net Recovery Guarantee — you pay nothing unless we win compensation for your case.

Our firm has earned national recognition for our excellent results and commitment to justice. We’ve been listed on Super Lawyers and are accredited by the Better Business Bureau for our trusted service. Beyond the courtroom, we support legal and community advocacy through organizations like Los Abogados, Plan Phoenix Legal Action Network, ATAA, and the American Constitution Society. These honors reflect our dedication to fighting for those who need it most.

We pride ourselves on advocating for our clients’ rights and helping them secure compensation for their injuries. We operate with a Net Recovery Guarantee, meaning you don’t pay unless we win compensation for your case. For more information, contact our compassionate and knowledgeable Phoenix car accident lawyers today.

Damages You Can Recover After a Phoenix Car Accident

In a Phoenix car accident claim, you may be eligible for several forms of compensation. These fall into three primary categories:

  • Economic damages: These are your concrete, measurable financial losses — medical expenses (past and future), lost wages, reduced earning capacity, property damage, and out-of-pocket costs such as transportation to medical appointments. Every bill and receipt matters, and we document them all.
  • Non-economic damages: These compensate for losses that don’t come with a price tag but are no less real — pain and suffering, emotional trauma, permanent disability, disfigurement, loss of enjoyment of life, and loss of consortium. Arizona law places no cap on non-economic damages in car accident cases.
  • Punitive damages: In cases involving particularly egregious conduct — such as a drunk driver or someone who intentionally drove aggressively — a court may award punitive damages in addition to compensatory damages. These exist to punish extreme misconduct and deter similar behavior.

How Much Compensation Can You Expect?

Every case is different, but the table below provides a general sense of settlement ranges based on injury type. These are illustrative figures only — not a guarantee or prediction of what your specific case is worth.

Injury TypeTypical Settlement Range
Minor soft tissue injuries$10,000 – $25,000
Broken bones$25,000 – $100,000
Herniated or bulging disc$50,000 – $350,000+
Traumatic brain injury (TBI)$100,000 – $500,000+
Permanent disability$500,000 – $1,000,000+
Wrongful death$250,000 – $5,000,000+

Despite these general averages, many of our cases have surpassed them significantly. Here are three examples from our own case results:

  • $1,250,000: Runion Personal Injury Lawyers filed suit against a company whose superintendent collided with our client’s vehicle, requiring neck and back surgery. Our firm obtained the full policy limits from both the company and its superintendent.
  • $600,000: Our client suffered head trauma and other serious injuries in a collision. We presented scientific evidence linking her aneurysm to the crash and secured a $600,000 settlement on her behalf.
  • $130,000: We secured full policy limits for a client in a three-vehicle crash at Warner Rd & Cooper Rd in Gilbert, despite the at-fault insurer disputing causation on spinal and soft-tissue injuries.

Disclaimer: Past results do not guarantee future outcomes. The settlement ranges above are general estimates for informational purposes only and do not constitute legal advice.

How Our Phoenix Car Accident Law Firm Can Help You?

Pursuing a car accident claim while recovering from injuries is genuinely overwhelming — and insurance companies know it. Runion Personal Injury Lawyers steps in to level the playing field. Here is exactly what we do on your behalf:

  • Investigating your accident: We obtain police reports, pull traffic camera footage, gather witness statements, and work with accident reconstruction experts to build the strongest possible case from the start.
  • Documenting your damages: From emergency room bills to future rehabilitation costs and lost income, we ensure every loss is quantified, supported by evidence, and included in your demand.
  • Handling all insurance communications: We take over all contact with insurance adjusters so you never have to worry about saying the wrong thing or being pressured into a settlement that falls short of your needs.
  • Negotiating aggressively: Our founder, Derick Runion, has deep experience inside the insurance industry and understands exactly how adjusters evaluate and undervalue claims. We use that knowledge to push back and negotiate the maximum possible recovery.
  • Connecting you with medical care: If you lack immediate access to treatment, we can connect you with Phoenix-area providers who will treat your injuries on a lien basis — meaning you pay nothing until your case resolves.
  • Recovering property damage: We pursue compensation for vehicle repairs or total loss value, rental car costs, and any other property damaged in the crash.
  • Taking your case to trial if necessary: We prepare every case as if it will go before a Maricopa County Superior Court jury. Insurance companies know we litigate — and that knowledge alone often produces better settlement offers.
  • Supporting your full recovery: A car accident affects more than your body. Our team provides consistent, compassionate communication throughout the entire process so you never feel alone or in the dark.

 

Common Types of Car Accidents We Handle

Our Phoenix car accident lawyers handle all types of motor vehicle collisions across Maricopa County and the greater Phoenix area, with particular experience in the following:

  • Airbag injury accidents
  • Distracted driving accidents
  • Drunk driving / DUI crashes
  • Dust storm (haboob) accidents
  • Head-on collisions
  • Highway and freeway accidents
  • Hit-and-run collisions
  • Intersection collisions
  • Monsoon and weather-related accidents
  • Multi-vehicle pileups
  • Parking lot accidents
  • Rear-end crashes
  • Rideshare accidents (Uber and Lyft)
  • Rollover accidents
  • Self-driving and autonomous vehicle accidents
  • Side-impact (T-bone) crashes
  • Single-vehicle accidents
  • Sideswipe accidents
  • Truck and commercial vehicle accidents
  • Wrongful death

If your accident type is not listed here, contact us anyway. If it happened on a Phoenix-area road, we almost certainly handle it.

Insurance Company Tactics to Be Aware Of?

Our experience inside the insurance industry gives us a clear view of the tactics adjusters use to minimize payouts — and how to counter every one of them. Here is what to watch for after a Phoenix car accident:

  • Delay tactics: Insurers may intentionally slow-walk your claim, hoping financial pressure will push you to accept a lower offer — or that the statute of limitations will quietly expire. We hold insurers accountable and keep your case moving.
  • Lowball opening offers: The first offer you receive is almost never close to the true value of your claim. It is a test to see whether you know what you are worth. Never accept or sign anything without having an attorney review it first.
  • Requesting early recorded statements: Adjusters ask for recorded statements before you fully understand your injuries because your words can be used to limit your recovery later. Politely decline and direct all requests to your attorney.
  • Social media surveillance: Insurance companies and their investigators routinely monitor claimants’ social media. Even an innocent photo at a family gathering can be misrepresented as evidence that your injuries are exaggerated. Post nothing about the accident or your activities until your case is resolved.
  • Disputing causation: Insurers frequently argue that your injuries pre-existed the crash or were caused by something else entirely. This is why prompt medical treatment and thorough documentation from day one are so critical.
  • Shifting comparative fault: Under Arizona’s pure comparative negligence rules, every percentage of fault shifted onto you reduces your payout. Adjusters are trained to find ways to exaggerate your role in causing the accident.

⚠️ Warning: Giving a recorded statement to any insurance company — including your own — without first speaking to a lawyer is one of the most common and costly mistakes car accident victims make in Arizona. It can significantly reduce or eliminate your compensation.

Derick Runion’s background inside the insurance industry means we know these tactics from the inside out. While navigating insurers on your own is an uphill battle, we have the experience and leverage to fight back effectively.

 

Derick Runion

If you’re wondering whether you should talk with other person’s insurance company, it’s generally a good idea not to.

Derick Runion

Do I Need A Lawyer After A Car Accident?

Having an attorney by your side as you go through the claim process can be incredibly beneficial. They can negotiate with insurance companies, ensure your claim is filed correctly and on time, and represent you in court, if necessary. Having an advocate throughout this complex process who can provide expert advice about your case and the best ways to secure compensation is invaluable.

In the immediate aftermath of a car crash, it is crucial to check if anyone has suffered any injuries and to alert emergency services if necessary. After you’ve contacted 911 to report the accident, the police will file a report that can be used to determine fault.

At the scene of the accident, capture photos and videos as evidence, and exchange contact information with everyone involved. Additionally, gather witness information to assist in proving liability. Lastly, consult an attorney to help with your case. They can provide essential legal support in securing compensation.

Yes, you can file a car accident claim in Arizona even when you are partially liable for the incident. Arizona follows a pure comparative negligence system, which allows you to recover damages so long as you are not 100% at fault for the crash. However, your compensation will be reduced by the percentage of fault attributed to you.

The primary recoverable damages in a car accident case include medical expenses, lost wages, pain and suffering, and loss of consortium. Call to learn more about what you may be eligible to recover.

To have a case for compensation, you will need to prove four key aspects:

  • The other party had a duty of care owed to you
  • They breached that duty
  • The breach caused injuries
  • The injuries can be categorized as compensable damages

An experienced attorney can help collect the necessary evidence to prove a duty of care and other essential components of a personal injury claim.

In Arizona, injured parties have two years to file a claim for compensation. Some exceptions may apply, so it is always a good idea to speak with a trusted car accident lawyer in Phoenix about your case.

Consult an attorney before speaking with the insurance company. Insurance adjusters are trained to minimize payouts, and anything you say could be used against you, and accepting a settlement early on could result in you not getting the adequate compensation you need.

No, not without first consulting a qualified lawyer. They can thoroughly review your case to ensure the offer covers all current and crucial future damages, like ongoing medical treatment or lost earning capacity. Without this expert review, you might unknowingly accept a lowball offer, making legal advice essential to protect your interests.

Gathering Evidence After Your Phoenix Car Accident

The evidence collected in the days and weeks following your accident forms the foundation of your entire claim. If you are physically able, begin preserving the following as soon as possible:

  • Police report: Request a copy of the official crash report from the Phoenix Police Department or the Arizona Department of Public Safety (for highway incidents). This document establishes the official record of the accident, including any citations issued to the at-fault driver.
  • Medical records and bills: Every ER visit, diagnostic scan, specialist appointment, physical therapy session, and prescription is evidence of the harm you suffered. Request copies of all records and retain every bill.
  • Photographs and video: Document vehicle damage, the accident scene, road conditions, traffic signals, skid marks, and your visible injuries. Check whether nearby businesses — gas stations, restaurants, parking lots — have surveillance cameras that may have captured the crash on I-10, Loop 101, or wherever it occurred.
  • Eyewitness information: If you collected contact details from witnesses at the scene, preserve them carefully. Independent witness testimony can be decisive in disputed-fault cases.
  • Proof of lost income: Obtain documentation from your employer showing missed workdays and your rate of pay. If you are self-employed, gather tax returns, invoices, and client records showing lost business.
  • All accident-related communications: Save every text, email, voicemail, and letter from the other driver, their insurer, your insurer, and medical providers. Do not delete anything.
  • Expert evaluations: In serious cases, we engage accident reconstruction specialists, medical experts, and vocational rehabilitation consultants to build a comprehensive record of your losses.

We understand that gathering evidence while dealing with pain and disruption is genuinely difficult. That is why most of our clients hand this responsibility over to us so they can focus on healing. Let Runion Personal Injury Lawyers carry this burden while you recover.

General Information on Car Accidents in Phoenix, Arizona

Common Causes of Car Accidents in Phoenix

Phoenix is one of the most active collision markets in the entire country. According to the Arizona Department of Transportation’s 2023 Motor Vehicle Crash Facts report, Maricopa County accounted for over 71% of all statewide crashes — a staggering concentration driven by population density, high-speed freeway networks, and a number of Phoenix-specific contributing factors:

  • Distracted driving: Cell phone use and in-vehicle technology contribute to a significant share of crashes on Phoenix surface streets, including heavily traveled corridors like Camelback Road, Indian School Road, and Thomas Road.
  • Speeding on freeways: The I-10, I-17, Loop 101, and Loop 202 carry enormous volumes of high-speed traffic. Speed-related crashes on these corridors are among the most severe and most fatal.
  • Impaired driving: DUI crashes are a persistent problem in Phoenix, particularly on weekends and near entertainment districts in downtown Phoenix and along the I-10 and US-60 corridors.
  • Extreme heat: Arizona’s summer heat causes tire blowouts, engine failures, and driver fatigue — all of which contribute directly to collisions, especially during July and August.
  • Dust storms (haboobs): Desert dust storms can reduce visibility to near-zero within seconds. Drivers who fail to pull fully off the road contribute to deadly multi-vehicle pileups, particularly on I-10 west of Phoenix.
  • Monsoon conditions: Heavy seasonal rainfall on Phoenix’s impervious desert road surfaces creates flash flooding and dangerously slick conditions that catch drivers — especially newcomers to Arizona — completely off guard.
  • Red-light running: Phoenix’s expansive grid layout concentrates enormous traffic volumes at major intersections. Red-light violations at intersections along 7th Street, 7th Avenue, and Peoria Avenue are a consistent source of T-bone and head-on crashes.

Types of Injuries We See as Lawyers

Car accident injuries range from painful but temporary to catastrophic and life-altering. In our years representing Phoenix accident victims, these are the injury types we encounter most often:

  • Whiplash and soft tissue injuries: The most frequent injury in rear-end collisions, whiplash involves damage to the muscles, tendons, and ligaments of the neck and upper back. Though often dismissed as minor, untreated whiplash can develop into a chronic pain condition requiring years of treatment.
  • Traumatic brain injuries (TBI): Ranging from mild concussions to severe TBIs requiring lifelong care, brain injuries are among the most serious and financially devastating outcomes of any car crash.
  • Herniated and bulging discs: The force of a collision can push spinal discs out of alignment and press on nerve roots, causing radiating pain, numbness, and limited mobility. These injuries frequently require surgery and extended rehabilitation.
  • Broken and fractured bones: High-impact crashes commonly produce fractures of the arms, legs, ribs, clavicle, and pelvis — injuries that require immobilization, surgery, and months of physical therapy.
  • Spinal cord injuries: Damage to the spinal cord can result in partial or complete paralysis. These are catastrophic injuries with lifetime care costs that routinely exceed $1 million.
  • Internal injuries: Blunt force trauma from a seatbelt, airbag, or steering wheel can cause internal organ damage and bleeding that may not present obvious symptoms at the scene but can be life-threatening without prompt diagnosis.
  • Psychological injuries: Post-traumatic stress disorder, anxiety, and depression are recognized and compensable injuries following a serious accident and are more common than most people realize.

Common Car Accident Injuries and Recovery Timelines

Recovery timelines vary based on injury severity, individual health, and quality of care. The table below offers general guidance — your actual recovery should be discussed with your treating physician.

Injury TypeTypical Recovery TimeCommon Treatment
Whiplash (mild to moderate)2–8 weeksRest, physical therapy, pain management
Broken bones (non-surgical)6–12 weeksCasting, immobilization, physical therapy
Broken bones (surgical)3–6 monthsSurgery, hardware placement, rehabilitation
Concussion (mild)7–21 daysCognitive rest, gradual return to activity
Herniated disc3–6 months+Physical therapy, injections, possible surgery
Traumatic brain injury (moderate–severe)1 year to permanentNeurological rehab, ongoing specialist care
Soft tissue injuries2–8 weeksIce, rest, anti-inflammatories, physiotherapy
Spinal cord injuryLifelong managementSurgery, rehab, assistive technology, home care

Get Better. Get Compensated. Get Justice.

Our Phoenix car accident lawyers understand the trauma and financial challenges that come with this type of incident. Runion Personal Injury Lawyers is here to help you and your family move forward with confidence. Our team not only cares about the outcome of your case, but we are here to get results.

To take the next step, schedule a complimentary consultation with no obligations today. To learn more about our services, call us at (602) 825-3502, use the form on this page, or visit our Phoenix office.

Our compassionate team will explain your legal options and answer any questions you have. We’re here to serve clients across the Valley, including those who speak English and Spanish.

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(602) 825-3502

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Office Location

Phoenix, AZ

3200 N Central Ave
Suite 1100 Phoenix, AZ 85012

Case Results

Over $50 Million recovered

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