A crash can be disorienting. This step-by-step guide shows you what to do in Phoenix—from safety and evidence to medical care, reporting, and dealing with insurance—so you can protect your health and your claim.

Immediate Steps at the Scene

  1. Move to safety and check for injuries. Call 911 if anyone is hurt or traffic is blocked.
  2. Call police for an official crash report (Phoenix Police or DPS for freeways).
  3. Exchange information (names, phones, insurance, license, plate, VIN).
  4. Photograph vehicles, scene, skid marks, debris, traffic signals, and injuries.
  5. Identify witnesses and save their contact info.
  6. Decline recorded statements at the scene—stick to facts with police.

Mistakes to Avoid

  • Admitting fault or apologizing—let the investigation determine liability.
  • Leaving before exchanging info or speaking with police (when required).
  • Skipping medical care or waiting days to be evaluated.
  • Posting details on social media.
  • Giving the insurer a recorded statement without counsel.

What to Document and Save

  • Photos/video of vehicles, positions, road, weather, and visible injuries.
  • Police report number, officer name, tow information.
  • Names/phones of all drivers, passengers, and witnesses.
  • Medical records, bills, prescriptions, discharge instructions.
  • Repair estimates, rental receipts, and time off work (pay stubs).
  • Your notes: pain levels, missed activities, and recovery timeline.

See a Doctor Early—Then Follow the Plan

Get evaluated within 24–48 hours even if symptoms seem minor; adrenaline can mask injuries. Follow the treatment plan and keep appointments—gaps in care can hurt recovery and your claim.

Reporting and Insurance in Phoenix

  • Police report: Request it when available; it’s key for claims.
  • Notify your insurer promptly, but you can decline a recorded statement.
  • Use MedPay if you have it; it pays medical bills regardless of fault.
  • Arizona deadlines: Most injury claims have a two-year statute of limitations; some notice periods are shorter.
  • Low offer or denial? You can challenge it. We deal with State Farm, GEICO, Progressive, Allstate, USAA, Farmers and others in Phoenix every day.

FAQs: After a Phoenix Car Accident

Do I need to call the police for a minor crash?

Yes—if there are injuries, vehicle damage, or traffic hazards, call 911. A report helps your claim.

Should I see a doctor even if I feel okay?

Yes. Some injuries appear hours or days later. Early evaluation creates a medical record tied to the crash.

Who pays my medical bills?

Options include MedPay, your health insurance, and the at-fault driver’s liability coverage. We coordinate benefits to reduce your out-of-pocket costs.

When should I talk to a lawyer?

As early as possible—especially if injuries, a disputed report, a recorded-statement request, or a low offer are involved.

Arizona Resources

Talk to a Phoenix Attorney Today

We handle the insurers while you focus on recovery.

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