You're in an accident. You aren't at fault. Yet you need to use your own insurance. Why?
As having been in an accident caused by someone else, understand that the at-fault party’s insurance carrier has no legal duty to you at all.
If they want, they can refuse to offer anything and make you fight tooth and nail all the way to trial. In the meantime, do you want creditors hounding you for payment?
If things turn out badly, you will be on the hook personally for the bills? Why would you even take this chance when you have health insurance to assure payment?
You may have to pay back your health insurance at the end of the case if you get a recovery (and won’t if no recovery), but without question you should use and bill your own health insurance for your medical care.
This is why it's crucial to make sure you retain the right personal injury lawyer for your case. Experience matters.
Make sure you get the facts and you know what your rights are before you make the decision on what law firm you decide to retain. Arizona car accidents can be complex. Protect your rights.