7 Mistakes That Can Wreck Your Arizona Injury Claim

The most damaging mistake is waiting to see a doctor. A gap between your accident and your first treatment, or between appointments, hands the insurer an argument that you were not really hurt or that something else caused your injuries. Prompt, consistent treatment protects both your health and your claim.

1. Delaying Medical Treatment

2. Giving a Recorded Statement

Agreeing to a recorded statement with the other driver's insurer almost never helps you. These calls are designed to produce admissions and inconsistencies. You are not required to give one, and you should not before speaking with an attorney.

3. Posting on Social Media

Insurers monitor claimants' social media. A photo of you smiling at a family event or hiking a trail, even if you were in pain the whole time, can be twisted to suggest you are not really injured. The safest approach during a claim is to post nothing about your activities, your injuries, or the accident.

4. Accepting the First Offer

Early settlement offers are typically far below the true value of a claim and come before your full injuries are known. Signing the release ends your claim forever. Never accept an offer before reaching maximum medical improvement and understanding your complete damages.

5. Admitting Fault

Apologizing or speculating about fault at the scene or to an adjuster can be used against you under Arizona's comparative negligence rule. Stick to the facts and let the investigation determine responsibility.

6. Missing Deadlines

Arizona's two-year statute of limitations, and the much shorter 180-day government-claim deadline, are strict. Missing them can permanently bar your claim. Acting early ensures deadlines are met and evidence is preserved.

7. Going It Alone Against a Serious Claim

For minor claims, handling things yourself may be fine. But for serious injuries, disputed fault, or difficult insurers, representing yourself often leaves money on the table. A free review costs nothing and helps you avoid the mistakes that quietly sink claims.

This article is for general informational purposes only and is not legal advice. For guidance on your specific situation, consult a licensed Arizona attorney.