Day one
Photographs of both vehicles, the scene, and any visible injuries. The other driver's license, insurance, and plate. Witness names and numbers. A police report if one was taken. A medical evaluation, even if symptoms seem minor — some appear days later.
The two insurers
Report the crash to your own insurer promptly; that is generally required by the policy. With the other driver's insurer, you are not required to give a recorded statement, and it is reasonable to speak with a lawyer first. An early settlement offer is a number, not a verdict on the claim.
The fault conversation
Arizona follows pure comparative negligence. If an adjuster suggests you were partly at fault, the effect is a percentage reduction — not the end of the claim — and the percentage is a fact question decided by evidence. That is why the day-one documentation matters.
The coverage most people forget
Arizona insurers must offer uninsured and underinsured motorist coverage. If the other driver has no insurance or too little, your own policy may be the path to recovery. Your declarations page is worth having in hand for any consultation.
Where to go from here
The law is covered in our Arizona car accident guide, and there's a full guide on how to choose a car accident lawyer in Phoenix. A free consultation is available any hour — in English or Spanish. (602) 217-0000.