Phoenix Car Accident Lawyer
Content reviewed by Derick Runion Founding Partner, Runion Personal Injury Lawyers. Licensed in Arizona since 2011. Former insurance-industry insider.
If you were injured in a Phoenix car accident, the insurance adjuster on your case has already started building a file designed to pay you as little as possible. We know because before starting this firm, our founding attorney Derick Runion worked inside the insurance industry. We use that knowledge to fight back, and we never charge you a dollar unless we recover for you.
Net Recovery Guarantee: you will never pay more in attorney’s fees than you take home. $50+ million recovered. 99% case success rate. Free consultations in English and Spanish.
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$50+ Million Recovered
Content Reviewed By: Derick Runion
Table of Contents
- What Can I Expect to Pay?
- Your Deadline for Filing a Car Accident Claim in Arizona
- Our Process for Handling Your Phoenix Car Accident Case
- Do You Have Grounds for a Car Accident Claim in Phoenix?
- Why Phoenix Chooses Runion Personal Injury Lawyers?
- Damages You Can Recover After a Phoenix Car Accident
- How Our Phoenix Car Accident Law Firm Can Help You?
- Common Types of Car Accidents We Handle
- Insurance Company Tactics to Be Aware Of?
- Gathering Evidence After Your Phoenix Car Accident
- General Information on Car Accidents in Phoenix, Arizona
If you were just injured in a Phoenix car accident, the insurance adjuster on your case has already started building a file designed to pay you as little as possible. We know — because before founding this firm, our attorney Derick Runion worked inside the insurance industry. We use that knowledge to fight back, and we never charge you a dollar unless we recover for you. Free consultations are available in English and Spanish, 24/7. Speak with one of our Phoenix personal injury attorneys today.
According to the Arizona Department of Transportation’s Motor Vehicle Crash Facts, Maricopa County — which encompasses the Phoenix area — accounts for the majority of all motor vehicle crashes in Arizona each year. (Most recent ADOT figure: roughly 71% of statewide crashes. Verify current year before publishing.)
If You Were Just in a Phoenix Car Crash, Do These 6 Things Now
If the crash just happened, here is the short version — in order:
- Get medical attention. Even if you feel “fine,” adrenaline masks injuries — especially soft-tissue, head, and spinal injuries. Untreated injuries hurt you both medically and legally.
- Call 911. A police report from Phoenix PD or Arizona DPS is one of the most important documents in your case.
- Photograph everything. Both vehicles, road conditions, traffic signals, license plates, visible injuries, the surrounding intersection.
- Get contact info. Every driver, every passenger, every witness. Names, phone numbers, insurance details.
- Do not give a recorded statement to any insurance company — including your own — before speaking with an attorney. This is the single most expensive mistake we see car accident victims make.
- Call us before you call the other driver’s insurance. The consultation is free, and we will tell you honestly whether you have a case worth pursuing. (602) 825-3502 — available 24/7.
What Can I Expect to Pay?
Runion Personal Injury Lawyers operates on a contingency fee basis, backed by our Net Recovery Guarantee. You pay nothing upfront, nothing during the case, and nothing at all unless we recover compensation for you. Our fee is a percentage of the final settlement or verdict — and the Net Recovery Guarantee means you will never take home less than we take in fees.
No retainers, no hourly billing, no surprises. Our financial interests are aligned with yours: the better your outcome, the better ours.
Who Pays for My Medical Bills While My Case Is Pending?
This is the question most of our clients ask first. There are four main paths in Arizona car accident cases:
- MedPay (Medical Payments Coverage): If your auto policy includes MedPay, it covers crash-related medical bills regardless of fault. Arizona insurers are required to offer it, though many drivers decline. Check your declarations page.
- Health insurance: Will cover treatment, but your insurer may assert a lien against your eventual settlement. We negotiate those liens down so you keep more of your recovery.
- Medical liens: For clients without health insurance, we coordinate with Phoenix-area providers who treat on a lien — payment deferred until your case resolves. No out-of-pocket cost to you.
- The settlement itself: Every dollar of past and future medical care is built into the demand we send to the insurer. Nothing reasonably necessary for your recovery should ultimately come out of your pocket.
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Request a Free Case ReviewYour Deadline for Filing a Car Accident Claim in Arizona
Under Arizona Revised Statutes § 12-542, you have two years from the date of the crash to file a personal injury lawsuit in Arizona. For wrongful death claims, the two-year clock runs from the date of death rather than the date of the crash.
Two years sounds like a long time. It is not. Critical evidence disappears within weeks:
- Surveillance footage from gas stations, restaurants, and traffic cameras is routinely overwritten within 30 to 90 days.
- Skid marks and physical evidence on roadways are gone after the next rain.
- Witnesses move, change phone numbers, and forget details.
Important exceptions that can shorten your deadline:
- Claims against government entities (City of Phoenix, Maricopa County, ADOT, the State of Arizona): Arizona’s notice of claim statute (A.R.S. § 12-821.01) generally requires written notice within 180 days of the incident. Miss that, and your claim against the government can be barred entirely.
- Minors: The two-year clock generally does not begin until the injured minor turns 18.
- Hit-and-run cases: Different deadlines may apply under your own uninsured motorist coverage — some policies require notice within as little as 30 days. Learn more about Phoenix hit-and-run cases.
If you are unsure how the deadline applies to your situation, contact Runion Personal Injury Lawyers right away. Acting early always produces stronger evidence, stronger cases, and better outcomes.
Our Process for Handling Your Phoenix Car Accident Case
From your first call to the day your settlement check arrives, here is exactly how we handle your case:
- Free case evaluation. We listen to what happened, review your initial documentation, and give you a direct, honest assessment of your case — at no cost and with no obligation. If you do not have a case, we will tell you.
- Investigation and evidence preservation. We pull the police report, request traffic camera footage, canvas nearby businesses for security video, and lock down witness statements before memories fade and footage gets overwritten.
- Medical care coordination. If you cannot access treatment, we connect you with Phoenix-area providers who treat on a lien — you pay nothing until your case resolves.
- Documenting your full damages. Medical bills, future treatment costs, lost wages, reduced earning capacity, pain and suffering, property damage — every category, every receipt, supported by evidence.
- Demand package and negotiation. Once your medical picture is clear, we send the at-fault insurer a comprehensive demand. Because Derick spent years inside the insurance industry, we know how adjusters score claims internally — and we structure our demand to make their lowball numbers indefensible.
- Filing suit when necessary. If the insurer will not negotiate fairly, we file in Maricopa County Superior Court. Insurers in Arizona know which firms will actually go to trial — and which ones will quietly settle. That reputation is worth real money to our clients.
- Discovery and depositions. Both sides exchange evidence, conduct depositions, and retain expert witnesses. We manage every step so you are not navigating it alone.
- Mediation or trial. Most cases settle before trial, often through formal mediation. If yours does not, we present it to a Maricopa County jury and fight for the maximum verdict available.
- Lien resolution and settlement disbursement. We negotiate down medical liens and health insurance subrogation claims so you walk away with 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. We work to prove each of them on your behalf:
- Duty of care. Every driver on Arizona roads is legally obligated to operate their vehicle safely and reasonably toward everyone else on the road — whether that road is a residential street, the I-10, or Loop 101.
- Breach of duty. A breach occurs when a driver fails to meet that standard — speeding, running a red light, driving impaired, or texting behind the wheel. We gather police reports, witness statements, and traffic camera footage to show exactly how the at-fault party fell short.
- Causation. We must show the driver’s negligence directly caused your injuries — not a pre-existing condition, not an unrelated incident. Medical records, expert testimony, and accident reconstruction all help establish this link.
- Damages. You must have suffered actual, compensable losses — physical injuries, financial harm, or emotional suffering. We meticulously document 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.
Why Phoenix Crash Victims Choose Runion Personal Injury Lawyers
We are a Phoenix firm with deep Arizona roots. Our founder, Derick Runion, is an Arizona native, a Shadow Mountain High School graduate, and a double ASU graduate (B.A. summa cum laude, J.D. from the Sandra Day O’Connor College of Law). He has practiced in Arizona since 2011.
What sets us apart is not credentials — plenty of Phoenix firms have those. It is the combination of:
- Insider insurance industry experience. Derick worked inside the insurance industry before founding this firm. We use that knowledge on every case.
- A track record built on results. Over $50 million recovered for our clients, with a 99% case success rate.
- The Net Recovery Guarantee. You will never pay our firm more in fees than you take home. Most personal injury firms will not put this in writing. We will.
- Bilingual representation. We serve Phoenix’s Spanish-speaking community directly, with attorneys and staff who can take your case from intake through settlement in Spanish.
- A trial-ready posture. We file in Maricopa County Superior Court when the insurer will not negotiate fairly. Insurers in Arizona know which firms litigate. That reputation is worth money to our clients.
- Local knowledge of the roads where Phoenix crashes happen. The I-10 through downtown, the Loop 101 and Loop 202, SR-51, US-60, Camelback Road, Indian School Road, Van Buren Street — Derick lives and works in this community and has handled cases on virtually every major corridor in the Valley. If you were injured in the East Valley, our Tempe car accident lawyer and Mesa car accident attorney provide the same representation across Maricopa County.
Our firm has earned recognition through Super Lawyers, the Multi-Million Dollar Advocates Forum, and Better Business Bureau accreditation. We are active members of the legal and Phoenix community through organizations including the Maricopa County Bar Association. (Verify additional memberships — Los Abogados, Plan Phoenix Legal Action Network, ATAA, American Constitution Society — before publishing.)
We advocate for our clients’ rights and help them secure full compensation for their injuries. We operate under our Net Recovery Guarantee, meaning you pay nothing unless we win for you. For a free, confidential case review, contact our 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 three categories of compensation:
- Economic damages. Your concrete, measurable financial losses — past and future medical expenses, lost wages, reduced earning capacity, property damage, and out-of-pocket costs like transportation to medical appointments. Every bill and receipt matters, and we document them all.
- Non-economic damages. Losses that do not 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 does not cap non-economic damages in car accident cases.
- Punitive damages. Available in cases involving egregious conduct, such as a drunk driver or someone who intentionally drove aggressively. Punitive damages exist to punish extreme misconduct and deter similar behavior.
What Drives the Value of a Phoenix Car Accident Case
Every case is different. Rather than publishing generic “average settlement” figures, we want to be honest about what actually moves case value up or down:
- The severity of your injuries. A herniated disc requiring surgery is worth dramatically more than one that responds to conservative treatment.
- Your medical treatment record. Consistent, well-documented treatment from the day of the crash strengthens your case. Gaps in treatment weaken it.
- Your future medical needs. Traumatic brain injuries and spinal cord injuries that require lifelong care carry lifetime damages — not just past bills.
- Your lost income and lost earning capacity. Past wages plus the projected impact of your injuries on your future ability to earn.
- Liability clarity. Crashes with a clear at-fault driver settle more efficiently than those where fault is disputed. Phoenix intersections with traffic cameras and nearby businesses with security footage give us the evidence to make liability clear.
- Available insurance coverage. When a catastrophic injury is caused by a driver carrying only Arizona minimum coverage, we often stack your own uninsured/underinsured motorist coverage to make you whole.
- Conduct of the at-fault driver. Drunk driving, excessive speeding, or other egregious conduct can support a claim for punitive damages.
Recent Phoenix-Area Car Accident Results
Past results do not guarantee future outcomes. Every case is different.
- $1,250,000 — Phoenix car accident. Our client suffered neck and back injuries requiring surgery after a collision with a company superintendent’s vehicle. We filed suit and obtained policy limits from both the company and the driver.
- $600,000 — Phoenix car accident with aneurysm. Our client suffered head trauma and a brain aneurysm in a serious collision. We presented scientific evidence linking the aneurysm directly to the crash and secured a $600,000 settlement.
- $130,000 — Gilbert three-vehicle crash (Warner & Cooper). Our client was hit by a driver who ran a red light. The at-fault insurer disputed causation on her spinal and soft-tissue injuries. As Gilbert car accident attorneys, we established clear liability and recovered the full policy limits.
How Our Phoenix Car Accident Law Firm Helps You
Pursuing a car accident claim while recovering from injuries is genuinely overwhelming — and insurance companies know it. We step in to level the playing field. Here is exactly what we do on your behalf:
- Investigating your accident. Police reports, traffic camera footage, witness statements, and accident reconstruction experts when needed.
- Documenting your damages. Emergency room bills, future rehabilitation costs, lost income — every loss quantified, supported, and included in your demand.
- Handling all insurance communications. From the moment you hire us, all contact with adjusters routes through our office. You never have to worry about saying the wrong thing.
- Negotiating from inside knowledge. Derick Runion’s experience inside the insurance industry means we know 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 — you pay nothing until your case resolves.
- Recovering property damage. Vehicle repairs or total loss value, rental car costs, and any other property damaged in the crash.
- Preparing to litigate. We prepare every case as if it will go before a Maricopa County jury. Insurers know we litigate — and that knowledge alone often produces better settlement offers.
- Supporting your full recovery. A car accident affects more than your body. We provide consistent, compassionate communication so you never feel alone or in the dark.
Common Types of Car Accidents We Handle
Our Phoenix car accident lawyers handle every type of motor vehicle collision across Maricopa County and the greater Phoenix area. If you were injured in the East Valley, our Scottsdale car accident lawyer provides the same representation. The crash types we handle most often:
- Airbag injury accidents
- Distracted driving accidents
- Drunk driving / DUI crashes
- Dust storm (haboob) accidents
- Head-on collisions
- Highway and freeway accidents (I-10, I-17, Loop 101, Loop 202, SR-51, US-60)
- 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, contact us anyway. If it happened on a Phoenix-area road, we almost certainly handle it.
How Phoenix Insurance Adjusters Try to Minimize Your Claim
This is the section most law firms skip, because they have no insider experience. We do not. Here is what an adjuster actually does in the days after your crash, in our experience:
- They open a reserve file with an internal estimate of what your claim is “worth” — almost always far below what a properly built case will produce.
- They watch for delays. Every week you wait to get treatment, every gap in your medical records, becomes ammunition to argue your injuries are not serious or not crash-related.
- They request a recorded statement before you have seen a doctor. The script is friendly. The questions are designed to lock you into answers that limit your recovery later.
- They monitor your social media. A single photo at a family dinner can be reframed as “evidence” that your injuries are exaggerated. Post nothing about the accident or your activities until your case is resolved.
- They look for ways to shift fault to you. Arizona uses pure comparative negligence (A.R.S. § 12-2505), meaning every percentage point of fault assigned to you reduces your recovery dollar-for-dollar. Adjusters are trained to find any plausible argument that you contributed to the crash.
- They make a “courtesy” early offer. It is never close to fair value. It is a test of whether you understand what your case is actually worth.
What we do about it: From the moment you hire us, all communication routes through our office. We send a representation letter, shut down the adjuster’s direct access to you, and start building the file that will outlast their internal valuation. Derick’s background inside the insurance industry means we know these tactics from the inside out — and we know how to neutralize them.
If you are wondering whether to talk to the other driver’s insurance company, the answer is almost always no. Talk to a lawyer first.
Derick Runion
Do I Really Need a Lawyer After a Phoenix Car Accident?
If your injuries required medical treatment, if you missed work, or if liability is disputed, yes. Insurance companies pay less to unrepresented claimants — that is a well-documented industry pattern. Our free consultation will tell you honestly whether the value of your case justifies hiring counsel. If it does not, we will say so.
What Should I Do Immediately After a Car Accident in Phoenix?
After a Phoenix car accident, in this order: (1) check for injuries and call 911; (2) get medical attention even if you feel “fine,” because adrenaline masks injuries; (3) photograph the vehicles, the scene, the traffic signals, and your visible injuries; (4) exchange contact and insurance information with every driver; (5) collect names and phone numbers of witnesses; (6) do not give a recorded statement to any insurance company before talking to an attorney; and (7) call us for a free consultation before signing anything.
Can I Still File a Claim if the Accident Was Partially My Fault?
Yes. Arizona follows a pure comparative negligence rule (A.R.S. § 12-2505), which means you can recover damages even when you are partially at fault. Your recovery is reduced by your percentage of fault. Even at 99% at fault, you are not barred from recovering — but every percentage point matters, which is why fighting back against an adjuster’s attempts to shift fault to you is one of the most important parts of our work.
What Damages Can I Recover in a Phoenix Car Accident Claim?
You can recover three categories of damages: economic (medical bills, lost wages, lost earning capacity, property damage), non-economic (pain and suffering, emotional trauma, loss of consortium, disfigurement), and in cases of egregious conduct, punitive damages. Arizona does not cap non-economic damages in car accident cases.
How Do I Know if I Have a Case?
To have a case, four elements must be present:
- The other party owed you a duty of care.
- They breached that duty.
- That breach caused your injuries.
- You suffered compensable damages.
Our free consultation walks through each element and gives you a direct answer.
How Long Do I Have to File a Car Accident Claim in Arizona?
In Arizona, you generally have two years to file a personal injury claim under A.R.S. § 12-542. Important exceptions: claims against government entities (City of Phoenix, Maricopa County, ADOT, State of Arizona) generally require a notice of claim within 180 days. Minors generally have until two years after their 18th birthday. Hit-and-run cases may have shorter notice deadlines under your own uninsured motorist coverage. When in doubt, call us.
Should I Talk to the Insurance Adjuster?
Talk to an attorney first. Insurance adjusters are trained to minimize payouts, and anything you say in a recorded statement can be used to limit your recovery later. Even casual phrases like “I’m feeling okay” or “I’m sorry” can be twisted into admissions that hurt your case. We handle all adjuster communications for our clients from day one.
Should I Accept the Insurance Company's First Settlement Offer?
No — not without legal review. First offers are systematically lower than full case value. They are a test to see whether you understand what your case is worth. Once you sign a release, the case is over and you cannot reopen it for additional medical treatment, lost wages, or any other damages you discover later. Always have an attorney review the offer before you sign.
Gathering Evidence After Your Phoenix Car Accident
The evidence collected in the days and weeks following your crash forms the foundation of your entire claim. If you are physically able, begin preserving the following as soon as possible:
- Police report. Request the official crash report from the Phoenix Police Department or the Arizona Department of Public Safety (for highway incidents). This document is 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.
- Eyewitness information. If you collected names and phone numbers at the scene, preserve them carefully. Independent witness testimony can be decisive in disputed-fault cases.
- Proof of lost income. Documentation from your employer showing missed workdays and 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.
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 us carry this burden while you recover.
Phoenix Car Accident Lawyers Ready to Help You Today
Get Better. Get Compensated. Get Justice.
We understand the trauma and financial pressure that follow a serious Phoenix car accident. Schedule a free, no-obligation consultation today. Call us at (602) 825-3502, use the form on this page, or visit our Phoenix office. Free consultations available in English and Spanish, 24/7.
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(602) 825-3502
Common Causes of Car Accidents in Phoenix
Phoenix is one of the most active crash markets in the United States. Population density, a high-speed freeway network, and Valley-specific conditions combine to produce tens of thousands of collisions in Maricopa County every year. The crashes we see most often involve:
- Distracted driving: Cell phones and in-vehicle technology contribute to a significant share of crashes on Phoenix surface streets, especially Camelback Road, Indian School Road, Thomas Road, and Bell Road.
- High-speed freeway collisions: The I-10, I-17, Loop 101, Loop 202, and SR-51 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 persistent, 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, especially during July and August.
- Dust storms (haboobs): Desert dust storms can drop visibility to near-zero in seconds. Drivers who fail to pull fully off the road contribute to deadly multi-vehicle pileups, especially on I-10 west of Phoenix.
- Monsoon flash flooding: Heavy seasonal rainfall on Phoenix’s impervious desert road surfaces creates flash flooding and dangerously slick conditions that catch out-of-state drivers and newcomers off guard.
- Red-light running and T-bone crashes: Phoenix’s expansive grid concentrates enormous traffic volumes at major intersections. Red-light violations along 7th Street, 7th Avenue, Peoria Avenue, and Bell Road are a consistent source of severe crashes. If your crash occurred along the West Valley border, our Glendale car accident lawyer can help.
- Snowbird and winter visitor crashes: November through April brings hundreds of thousands of part-time residents unfamiliar with Valley traffic patterns. We see a measurable seasonal spike in crashes involving out-of-state plates during these months.
Common Injuries We See in Phoenix Car Accident Cases
In our years representing Valley crash victims, these are the injuries we encounter most often:
- Whiplash and soft-tissue injuries. The most common rear-end-collision injury. Often dismissed as minor — and often badly underpaid by insurers — but untreated whiplash can produce chronic pain that lasts years.
- Traumatic brain injuries (TBI). Concussions through severe TBIs. The CDC classifies even “mild” TBIs as serious medical events. We see Phoenix crash victims treated at major Valley facilities including Banner University Medical Center, Barrow Neurological Institute at St. Joseph’s, and HonorHealth.
- Herniated and bulging discs. Spinal injuries that insurers often dispute. We bring in the right medical experts to connect the disc injury to the crash.
- Broken bones. Arms, legs, ribs, pelvis, clavicle. Surgical repairs and long rehab.
- Spinal cord injuries. Catastrophic injuries with lifetime care costs that often exceed $1 million in projected future medical expenses alone.
- Internal injuries. Organ damage and internal bleeding from seatbelt, airbag, and steering wheel trauma.
- Psychological injuries. Post-traumatic stress, anxiety, and depression are real, compensable injuries after a serious crash.
How Arizona Comparative Negligence Affects Your Case
Arizona is a pure comparative negligence state under A.R.S. § 12-2505. That means:
- You can still recover damages even if you were partially at fault.
- Your recovery is reduced by your percentage of fault.
- Even at 99% at fault, you are not barred from recovering — though the math gets bad fast.
Insurance adjusters are trained to exaggerate the injured driver’s share of fault, because every percentage point shifted onto you reduces what they pay. This is one of the biggest fights in many of our cases, and one of the strongest reasons to hire counsel quickly — before the police report is finalized and the adjuster’s internal narrative hardens. Learn more about Arizona personal injury laws.
Our personal injury law firm in Phoenix, AZ also handles:
- Motor Vehicle Accidents
- Public & City Transit
- Premises & Personal Liability
- Medical & Professional Negligence
- Work-Related Claims
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