Hit by a semi?
Bigger payout.
Truckers carry $1M+ commercial policies. We collect every dollar. Free 5-minute consultation with a Wood Injury Law attorney before insurance scripts the case.
The truck driver said he didn’t see you.
You were on I-10, the 60, or US-93 when an 18-wheeler changed lanes into you, jackknifed across your lane, or rear-ended you at speed. You walked away, or you didn’t. Your car is totaled. Your back hurts in a way it didn’t yesterday.
The trucking company’s insurance has been calling within 48 hours and they sound friendly. They are not your friend. Commercial truck cases pay 10-40 times more than passenger auto cases because federal regulations require trucking companies to carry $750K to $1M+ in liability coverage. The adjuster’s job is to settle yours for a fraction.
The 6 traps adjusters set in the first call
The fastest way to lose a truck-accident case is to hand the trucking company’s insurer evidence in the first 72 hours.
The recorded statement
Arizona law does not require you to give one. Once recorded, every imprecise word becomes locked evidence.
The “are you okay?” gambit
You answer “I’m okay” out of politeness. That phrase appears in your settlement file forever.
The blanket medical authorization
Signed without an attorney narrowing scope — you give insurance access to your entire pre-accident medical history.
The fast lowball offer
$5K to “wrap this up” before your MRI. Once you sign, the case closes forever.
Black-box data evasion
The truck’s ELD and ECM data have to be formally preserved within 30 days. Without that letter, the data is gone.
The clock
2-year Arizona statute of limitations under A.R.S. § 12-542. Government truck cases require 180-day notice.
What to do in the first 72 hours
Get medical attention.
Adrenaline masks injuries. Concussions, internal bleeding, and ligament damage are routinely missed at the scene. ER documentation creates the medical record your case will rely on.
Document the scene.
Photos of the vehicle, the road, and your injuries. Witness names and phone numbers. Insurance won’t preserve any of this for you.
Don’t give a statement.
Tell any insurance caller: “I’ll have my attorney contact you.” That sentence stops every trap above. You owe no further explanation.
Call us.
Free five-minute conversation. We tell you whether you have a case, what the insurance company is doing, and what to do next. No paperwork on the first call.
Wood Injury Law took over my case after another firm told me to take a low-ball settlement. They got me significantly more once they actually fought it. Worth every minute.
Questions clients ask on the first call
How much does it cost to hire Wood Injury Law?
Nothing upfront. Contingency fee, paid a percentage of recovery. If we don’t recover, you owe nothing in attorney fees.
How long do I have to file in Arizona?
Two years from the date of the wreck under A.R.S. § 12-542. Government cases require 180-day notice under A.R.S. § 12-821.01.
What if I’m partly at fault?
Arizona is a pure comparative negligence state under A.R.S. § 12-2505. You can still recover, reduced by your percentage of fault.
What if the at-fault party had no insurance?
Your own UM/UIM coverage under A.R.S. § 20-259.01 may pay your damages even when the at-fault driver carries no insurance.
What if I had a prior injury?
Arizona follows the eggshell plaintiff doctrine. A wreck that aggravated an existing condition still caused your current injury and is compensable.
How quickly should I call?
Today if you can. Earlier involvement means evidence preservation, no recorded-statement traps, and a clear strategy from day one.