You’re sitting at a red light or slowing down in traffic when another car crashes into your rear bumper. Whether it’s a minor tap or a more severe impact, being rear-ended can lead to a cascade of problems: car damage, physical injuries, and confusion about who’s responsible for what. One of the first questions most drivers ask is: If someone rear-ends you, whose insurance do you call?
At Wyatt Injury Law Personal Injury Lawyers, we’ve helped countless car accident victims across Arizona understand their rights, deal with insurance companies, and secure fair compensation. A rear-end car accident may seem straightforward, but insurance complications and fault determinations can turn even a minor crash into a legal headache. If you're involved in a rear-end collision, knowing who to call and when is crucial to protecting your physical and financial well-being.
What Is a Rear-End Collision?
A rear-end collision occurs when one vehicle collides with the rear of another. These types of accidents are among the most common on U.S. roads and are generally considered to result from the following:
- Distracted driving (e.g., texting, eating, adjusting the radio)
- Following too closely (failing to maintain a safe following distance)
- Sudden stops due to traffic conditions or hazards
- Weather conditions that reduce visibility or traction
- Speeding or aggressive driving
- Impaired driving due to alcohol, drugs, or fatigue
In most cases, the rear driver is considered at fault because every driver is expected to maintain a reasonable distance and be prepared to stop safely.
Immediate Steps to Take After a Rear-End Collision
Even a seemingly minor rear-end accident can lead to serious injuries or delayed pain. Knowing what to do at the accident scene can help you protect your rights and strengthen your insurance claim.
Ensure Safety First
The first step to take following any car accident is always to ensure the safety of yourself and others.
- Move vehicles to a safe location, if possible.
- Turn on hazard lights.
- Check yourself and others for injuries.
Call the Authorities
- File an accident report with the police, especially if there are injuries or property damage.
- Request a copy of the police report, as it will be essential for your claim.
Exchange Information
Collect the following from the other driver:
- Name and contact info
- Driver’s license number
- License plate number
- Insurance policy details (company name, policy number)
Gather Evidence
- Take photos of all vehicles, the crash site, traffic signs, and any visible injuries.
- Note the time, weather, road conditions, and anything that may have contributed to the crash.
- Get witness statements and contact information, if available.
Detailed documentation can help establish fault and support your version of events during the claims process or in court. The more evidence you collect early on, the stronger your case will be if disputes arise later.
Seek Medical Attention
Even if you feel okay, it's best to visit a doctor as soon as possible. Conditions like whiplash or concussions may not present symptoms right away. Prompt medical care also establishes documentation for personal injury protection (PIP) or medical payments coverage.
If Someone Rear-Ends You, Whose Insurance Do You Call?
Let’s get into it; the big question: If someone rear-ends you, whose insurance do you call?
Start With Your Own Insurance Provider
Even if you're not at fault, it’s important to notify your own insurance company promptly. Many insurance policies require immediate reporting of any incident, even if you're not planning to file a claim through them. Early notification allows your insurer to open a file, provide guidance on next steps, and preserve your eligibility for benefits like collision or medical payments coverage. It also ensures you're protected if the other driver delays reporting or disputes the facts.
Your insurer may:
- Help guide you through the claim process.
- Provide collision coverage or medical benefits while liability is determined.
- Begin communicating with the other driver's insurance company.
Failing to report the crash could constitute non-compliance with your insurance policy, which might jeopardize coverage.
You May Also Contact the Other Driver’s Insurance Company
Once the fault is clear, you or your attorney can file a third-party claim with the at-fault driver’s insurance company. This is known as a liability claim and can cover:
- Vehicle repairs or replacement
- Medical expenses
- Lost wages
- Pain and suffering
In Arizona, which follows an at-fault system, the responsible party’s insurance provider is expected to pay for damages. That said, the other driver's insurer may try to reduce their liability or shift blame, so it’s best to let your attorney handle communication.
Understanding Auto Insurance Coverage
To understand your options, it helps to know how auto insurance works in Arizona and similar at-fault states:
Liability Insurance
Covers damage you cause to another party in an accident. Arizona requires drivers to carry minimum liability coverage, but this may not fully cover damages incurred in more serious collisions. If the costs exceed the policy limits, the at-fault driver may be personally responsible for the remaining balance. That’s why many drivers opt for higher-than-minimum coverage to better protect themselves in the event of a major accident.Â
Collision Coverage
Optional coverage that helps repair or replace your vehicle regardless of who was at fault. If you're rear-ended and need immediate repairs, collision coverage can get the process started while waiting for the defendant’s insurance company to pay. Although you may need to pay a deductible upfront, your insurer may recover those costs later through subrogation. It’s especially helpful when the at-fault driver’s liability is delayed, disputed, or under investigation.
Medical Payments (MedPay)
Covers medical expenses for you and your passengers, no matter who was at fault. It can be especially useful in rear-end collisions, which often result in neck and back injuries. MedPay can help cover costs like emergency room visits, ambulance fees, X-rays, and follow-up appointments. Since it typically has no deductible, it provides fast, upfront support while liability is still being determined.
Uninsured/Underinsured Motorist Coverage
Protects you if the other driver doesn’t have insurance or carries too little to cover your damages. While not mandatory in Arizona, it’s strongly recommended. This coverage can help pay for medical bills, lost wages, and even pain and suffering when the at-fault driver is unable to. Without it, you could be left covering substantial expenses out of pocket after a serious accident.
Personal Injury Protection (PIP)
Not required in Arizona, but available in no-fault insurance states. Covers medical costs and lost wages regardless of fault. While Arizona drivers don’t typically carry PIP, those who travel or relocate between states may encounter it. It’s essential to understand how PIP differs from other coverages, such as MedPay, and when each applies to ensure you receive the full benefits available.
The Role of No-Fault Insurance States
In no-fault states, each driver typically relies on their own insurance company to cover medical expenses, regardless of who is at fault for the accident. This system is designed to expedite the claims process and minimize litigation. However, Arizona is an at-fault state, meaning fault must be established before the responsible party’s insurer pays.
If you were rear-ended in a no-fault state, your own insurance company would likely handle medical bills through PIP coverage, and you may be limited in your ability to sue the at-fault driver unless the injuries are severe.
Assigning Fault in Rear-End Collisions
In the vast majority of rear-end accidents, the rear driver is presumed to be at fault. This is based on the legal expectation that drivers must follow at a safe distance and be prepared for sudden stops. However, there are exceptions, which may include
- The front driver suddenly reversed.
- The brake lights weren’t working.
- The front driver stopped to make a turn but didn’t complete it.
- A non-collision event, like road debris or a sudden stop by a third party.
In such cases, determining fault may require an attorney to review traffic violations, vehicle maintenance records, or witness statements.
Handling Insurance Adjusters: What to Disclose
After the accident, you’ll likely hear from insurance adjusters representing one or both insurance companies involved. Be cautious during these interactions.
Do:
- Stick to the facts
- Share medical records and repair estimates with your attorney first
- Document all communication
Don’t:
- Admit fault or speculate
- Discuss the details of your injuries without medical documentation
- Accept a settlement without legal review
Insurance adjusters may seem friendly, but their goal is often to minimize the payout. Anything you say can be used to reduce or deny your claim.
How Wyatt Injury Law Personal Injury Lawyers Can Help
Wyatt Injury Law Personal Injury Lawyers provides the support, clarity, and aggressive representation that injured clients need after a rear-end car accident. Here’s how we help from day one:
Free Consultation and Case Review
We start by reviewing the details of your accident, insurance coverage, and accident report. We’ll determine the best course of action and explain your legal rights and responsibilities.
Communication with Insurance Providers
We handle all communication with your insurance provider and the other driver's insurer, so you don’t have to deal with confusing paperwork or pressure tactics.
Evidence Collection
Our team gathers and preserves evidence, such as:
- Surveillance footage
- Vehicle damage analysis
- Police reports
- Witness testimony
- Medical documentation
Claim Filing and Negotiation
We’ll help you file an accurate and thorough insurance claim and fight for:
- Full coverage of property damage
- Medical expenses and rehabilitation
- Compensation for lost wages
- Additional damages for pain and suffering
Litigation Support
If a fair settlement can’t be reached, we’re fully prepared to take your case to court and pursue maximum compensation through trial. Our team builds strong cases backed by evidence, expert testimony, and a clear understanding of Arizona accident laws. We’re committed to fighting for your rights every step of the way, ensuring the insurance company doesn’t undervalue your claim.
Frequently Asked Questions
Can I go through my own insurance even if I wasn't at fault?
Yes. Using collision coverage or MedPay allows you to get timely care and repairs. Your insurance company may later seek reimbursement from the at-fault driver’s insurer. This process, known as subrogation, allows you to move forward without delay while your insurer handles recovery on the back end. It also helps ensure you’re not stuck waiting for the other party’s cooperation before getting the help you need.
What if the other driver is uninsured?
If the other driver lacks insurance, you may be able to recover damages through your own uninsured motorist policy or by suing the driver personally. However, pursuing compensation from an uninsured driver can be difficult if they have limited assets. Your attorney can help assess the most effective path forward and work to maximize recovery through all available coverage options.
Do I have to speak with the other driver's insurance?
No, and it’s usually better if you don’t. Let your attorney handle all communication with the other driver's insurance company to avoid misstatements or lowball offers. Insurance adjusters are trained to minimize payouts and may try to get you to say something that undermines your claim. Having legal representation ensures your rights are protected and that all information is presented strategically.
How long do I have to file a claim?
In Arizona, the statute of limitations for car accident claims is generally two years from the date of the accident. It’s best to consult an attorney as soon as possible. Delaying could risk losing valuable evidence or missing critical deadlines that affect your right to compensation. An attorney can help you preserve your claim and ensure all necessary steps are taken within the legal timeframe.
Can I get a rental car covered?
Yes, if your policy includes rental reimbursement or if the at-fault driver’s insurer accepts liability. Your attorney can ensure these costs are included in your claim. In many cases, you may be eligible for a rental vehicle that matches the type of car you normally drive. It’s important to keep all receipts and documentation, as these will be necessary for reimbursement or inclusion in your overall settlement.
Talk to Wyatt Injury Law Personal Injury Lawyers Today
Dealing with the aftermath of a rear-end accident can be exhausting, but you don’t have to face it alone. At Wyatt Injury Law Personal Injury Lawyers, we combine deep legal knowledge with real-world compassion to help car accident victims recover physically, emotionally, and financially.
We understand the pressing concerns posed by insurance delays, denied claims, and unclear liability. Our mission is to protect your best interests, fight for a reasonable amount of compensation, and handle the legal legwork while you focus on healing.
If you’ve been rear-ended and aren’t sure which insurance company to call or how to move forward, contact Wyatt Injury Law Personal Injury Lawyers today. We’ll provide a free consultation, review your case, and help you get the compensation and support you deserve. Contact us today.