01/02/2026
Please read!
What you believe about Arizona injury law is wrong.
The assumptions you're working with are outdated. And they're putting your claim at risk.
I've been practicing since 2006.
In those 16 years, the environment has gotten more hostile.
If you don't understand how insurance companies operate, you're going to lose money.
Here's what people get wrong.
They assume insurance companies value medical bills based on today's costs.
They don't.
I pressed an adjuster once on where her numbers came from.
She admitted she was using a database that hadn't been updated in over three years. The data inside? Even older.
Gas prices go up. Housing goes up. Milk goes up.
But they're deciding what your doctor gets paid based on pricing from half a decade ago.
This is deliberate. They pay you less.
Here's what else you need to watch for:
→ The "Pre-Existing" Trap
If you had back pain five years ago, they'll try to deny your entire claim today.
Arizona law is clear. You're owed for the aggravation.
If the crash made it worse, they pay. Your doctor has to document that difference perfectly.
→ The "Fast Settlement" Pressure
Adjusters call immediately. They want you to sign before you realize you have anxiety, trouble sleeping, or can't wash your hair without pain.
Once you sign, you can't go back.
We don't operate like a high-volume mill.
We take fewer cases and spend more time on each one. That's how you beat these tactics.
I represented a 10-year-old boy on his way to Flagstaff for his birthday. The truck he was in got rear-ended, and he watched a motorcyclist die in the street.
He didn't have broken bones. But he was traumatized.
An algorithm would have valued that case at zero. By slowing down and walking the adjuster through the human experience (the ruined birthday, the nightmares), we secured a favorable result.
You have to humanize the file. If you don't, you're just a number in an outdated database.
Has an insurance adjuster ever tried to tell you your pain "wasn't related" to the crash?
Hit 'Like' if the system needs to change, and share this to warn someone who needs it.