Situation one: you were visiting
Arizona law governs a crash that happens in Arizona, and the claim can be pursued after returning home. Your own policy from your home state may provide uninsured and underinsured motorist coverage that applies to an Arizona crash, and treatment received at home can be part of the claim. A firm that handles visitor cases will run the case by phone, video, and document exchange without requiring repeat trips. It's a fair question to ask any firm how it handles a client who lives out of state.
Situation two: a rental car was involved
Rental crashes can involve the renter's own auto policy, coverage purchased at the counter, a credit card's rental benefit, and the other driver's insurer — and the order they apply in isn't always obvious. The rental agreement, the credit card benefits guide, and your own declarations page are all worth having for the consultation.
Situation three: a rideshare was involved
Whether you were a passenger, the other driver, or a pedestrian, a crash involving a rideshare vehicle may bring the rideshare company's insurance into the picture, depending on what the driver was doing at the time. Which policy applies and in what amount is a fact question, and it's reasonable to expect a firm to explain the possibilities plainly rather than generally.
The rules that apply to all three
Arizona generally allows two years from the crash to file most injury claims, and the evidence — footage along Scottsdale Road, the 101, and the resort corridors — is often overwritten within weeks. Partial fault reduces a recovery by percentage and does not eliminate it. And a repaired vehicle's diminished value can be part of the property claim alongside the repair itself.
Two questions for any Scottsdale firm
Ask how the firm identifies every policy that may apply — the specific steps, not a general assurance. And ask who your point of contact will be and how often you'll hear from them, especially if you'll be following the case from another state.
Where we fit
Saguaro Injury Law's Scottsdale office handles multi-policy car accident claims for residents and visitors alike. The details are on our Scottsdale car accident lawyer page, the law is covered in our Arizona car accident guide, and our personal injury guide for Scottsdale covers vetting for any injury case. A free consultation is available any hour — in English or Spanish. (602) 217-0000.