What you do early can shape how insurers and adjusters evaluate liability.
Focus on three priorities:
- Medical documentation — even if you think injuries are minor. Symptoms can worsen, and Arizona claim discussions typically hinge on recorded treatment.
- Scene evidence — photos of the roadway, curb ramps, intersection approach, lighting conditions, and where your bicycle ended up.
- Your memory while it’s fresh — write down the sequence of events, including driver behavior (turning, lane position, speed, and attention).
If you’re contacted by an insurance adjuster, ask for time. You don’t have to rush into statements before you understand how your words may be used.


