Rear-End Accidents: What Insurance Won’t Tell You

You’re sitting at a red light in Phoenix, maybe on Camelback Road or stopped in rush hour on Loop 101, and suddenly, you’re slammed from behind. Rear-end accidents are some of the most common crashes in Arizona, and while they may seem “simple,” the insurance company won’t tell you what’s really at stake.

At Big Auto, we represent injured victims across Phoenix, Mesa, Tempe, Glendale, Tucson, and beyond who’ve been rear-ended and misled. From whiplash to wrongful blame, we’ve seen it all. Here's what the insurance companies don't want you to know , and how Big Auto helps you fight back.

“It’s Always the Rear Driver’s Fault”, Not Always

That may be the popular belief, but in Arizona, fault is determined case by case. While the rear driver is usually presumed at fault, there are exceptions, such as:

• Sudden and unnecessary stops
• Faulty brake lights
• Dangerous lane merges or cutoffs
• Chain-reaction crashes

In a pure comparative negligence state like Arizona, the insurance company may argue you were partially to blame, even if you were rear-ended.

Don’t accept their version of the story. Big Auto investigates what really happened, and makes it stick.

Rear-End Injuries Can Be Serious, Even in Low-Speed Crashes

Insurance adjusters love to say things like:

• “It was just a fender bender.”
  
• “The damage is minor, so your injury must be too.”
  
• “You don’t need much treatment.”

But here’s what medical experts, and our clients, know:

• Whiplash and soft tissue damage don’t always show up right away
• Even low-speed impacts can cause concussions, herniated discs, and spinal trauma
• Rear-end crashes often result in chronic pain, limited mobility, and nerve issues

We’ve had Arizona clients go to Banner Health ERs after crashes that seemed “minor” at the time, only to need months of rehab and thousands in treatment costs.

Your pain is real. Don’t let the insurance company decide otherwise.

What Insurance Won’t Tell You (But We Will)

1. They Use Damage Photos to Devalue Your Case

Photos showing “minimal” bumper damage? That’s all they need to argue your injuries are exaggerated, even if you’re in a neck brace.

We bring in biomechanical experts and doctors to prove how injury can happen without massive vehicle damage.

2. They’ll Blame You to Reduce Their Payout

Remember, Arizona allows insurers to assign partial fault. They might claim:

• You “slammed on your brakes”
  
• You had a “pre-existing condition”
  
• You “didn’t seek treatment soon enough”

Big Auto builds your case from the ground up , and stops these excuses cold.

3. They’ll Pressure You to Settle Early

We’ve seen insurers send $1,000 checks within days. Once you cash it, you’re done. No future claims. No surgeries covered. No room to negotiate.

Let us review the offer. You may be entitled to 10–20 times more.

Example: Mesa Rear-End Crash with Delayed Injuries

A client was rear-ended on Southern Avenue in Mesa while driving home from work. The impact seemed minor. She declined an ambulance and told the adjuster she “felt okay.”

Two days later, she woke up with severe neck and back pain.

The insurance company:

• Denied further treatment
  
• Claimed the injury was unrelated
  
• Offered $2,000 to close the case

Big Auto:

• Sent her to a trusted injury specialist
  
• Documented a spinal disc injury
  
• Negotiated a $48,000 settlement

Moral of the story: Always get evaluated. Always call Big Auto.

Rear-End Collisions Involving Uber, Lyft, or Commercial Vehicles

If you were hit by a rideshare driver, delivery van, or commercial truck, things get even more complicated:

• Multiple insurance policies may be involved
  
• Commercial carriers often try to avoid responsibility
  
• Rideshare companies like Uber and Lyft have layered insurance that’s tough to access without legal help

Big Auto handles rear-end crashes involving:

• Amazon and FedEx trucks
  
• Lyft and Uber drivers
  
• Local fleet vehicles
  
• Construction and utility trucks

We dig deep, and make every liable party pay.

What to Do After a Rear-End Crash in Arizona

If you’ve just been hit, follow these steps:

✔️ Call 911 and get a police report, even if the damage looks minor
✔️ Take photos of vehicle damage, road conditions, and license plates
✔️ See a doctor within 24–48 hours, even if you feel okay
✔️ Don’t talk to the insurance company alone✔️ Call Big Auto before signing anything

We’ll take it from there.

Let Big Auto Handle the Insurance Games, While You Focus on Recovery

Rear-end crashes may seem straightforward, but the insurance company has one goal: pay you as little as possible.

At Big Auto, we:

• Prove fault (even in disputed cases)
  
• Document hidden injuries
  
• Negotiate medical bills and liens
  
• Maximize your settlement
  
• Prepare every case like it’s going to trial

Whether your crash happened on I-17, the Loop 202, or a residential road in Tucson, we’re ready to fight for you.

Call Big Auto Now, Before the Insurance Company Calls You

The moment you’re rear-ended, the clock starts ticking. Don’t let the insurance company control the narrative.

Call Big Auto today for a free consultation. We’ll review your case, explain your rights, and get to work, fast.

Rear-ended in Arizona? Big Auto is here to win big for you.