Primary Location
Phoenix Personal Injury Lawyers
2700 N Central Ave Suite 320, Phoenix, AZ 85004, United States
Phone: (602) 905-7766
Call us at (855) 855-8910
Call us at (855) 855-8910
You pay your premiums every month. You follow the rules. Then you file a claim, and the insurance company treats you like the problem.
That is what an insurance attorney handles. We step in when carriers delay, deny, or lowball legitimate claims. In Phoenix, it happens more often than most people think.
Arizona has a duty of good faith built into insurance law. The state agency that polices this, the Department of Insurance and Financial Institutions (DIFI) [1], accepts complaints from policyholders when insurers cross the line. Filing a complaint is a start. But it will not put money back in your pocket. Legal action does that.
We tell clients this all the time: you do not have to take the adjuster at their word. Adjusters work for the insurance company, not for you. Their bonus depends on keeping payouts low. When you bring in an attorney who has handled hundreds of these disputes, the conversation changes fast.
At The Simon Law Group, our focus is on insurance disputes connected to personal injury claims in Phoenix. Carrier stalling on your settlement? Disputing your injuries? Denying coverage altogether? We push back hard. Our personal injury team in Phoenix has recovered over $600 million for clients across Arizona, and insurers in Maricopa County know our name.
Sometimes negotiation is not enough. When an insurance company refuses to honor what their policy says, you take them to court. That is insurance litigation.
We see these cases play out in Phoenix courtrooms regularly. The carrier argues your injuries are not that bad. They blame pre-existing conditions. They ghost you for weeks, hoping you will give up and accept whatever scraps they put on the table.
Arizona law gives policyholders teeth here. Under ARS § 20-461 [2], insurers have 10 business days to acknowledge a claim and 30 days to wrap up their investigation once they have what they need. Miss those deadlines? That is ammunition for your case.
Our attorneys build insurance litigation cases with medical records, expert opinions, and the carrier's own paperwork turned against them. One example that sticks with us: a client came in with soft tissue injuries. The insurance company said the case was worth $12,500. We took it to trial. The jury came back at $49,909. Nearly four times what the carrier wanted to pay.
That is the kind of gap we see all the time between what insurers offer and what a case is actually worth. If your carrier is lowballing you or running out the clock, our insurance litigation attorneys in Phoenix should hear your story.
Talk to an insurance litigation attorney in Phoenix →Bad faith is different from a regular insurance dispute. A disagreement over numbers is one thing. But when an insurer deliberately mishandles your claim, cuts corners, hides information, or just refuses to play fair, that is bad faith under Arizona law.
What does that look like in practice? We see it constantly:
Denying valid claims with no real explanation. Sending offers that would not even cover your ER visit. Dragging out the process for months, asking for the same paperwork over and over. Going quiet when you call for updates. Twisting policy language to dodge what they owe.
Arizona courts do not tolerate this. A bad faith finding opens the door to compensatory damages on top of what the policy owes, and sometimes punitive damages too. Punitive awards are the court telling the insurance company: that behavior costs you extra.
Something most people get wrong: bad faith is not limited to claims against your own insurer. You can bring a bad faith action against someone else's insurance company too. After a car wreck, for instance, the at-fault driver's carrier owes you the same good-faith treatment. Same rules apply whether it is first-party or third-party.
Here is what happens when an insurer finds out we are involved. Suddenly they return calls. Suddenly the offer goes up. Suddenly the investigation moves along. Funny how that works.
Think your insurer is acting in bad faith? Our bad faith insurance lawyers in Phoenix will tell you straight whether you have a case.
Learn about bad faith insurance claims in Phoenix →Every personal injury case has an insurance company on the other side of the table. These are real results from cases where insurers tried to shortchange our clients.
Soft tissue injury. Insurance company said $12,500 was the best they would do. We went to trial. Jury verdict: $49,909. Almost four times their final number.
Rear-end collision on a Phoenix road. The other driver's carrier made an offer that did not come close to covering our client's medical costs. Trial verdict: $1,803,170. That is more than ten times what the insurance company put on the table.
Spine surgery case where the insurer argued our client was at fault. We took it to a bench trial and won. Verdict: $1,264,364.
Car accident with spine fusion surgery. The carrier fought hard to limit the payout. Our team secured a $10,777,598 verdict.
Every case is different. Past results do not guarantee a similar outcome.
Insurance companies have entire floors of lawyers dedicated to paying you less. We know because we have been on the other side of those cases for years. When you hire The Simon Law Group, you get a team that has recovered over $600 million fighting the same carriers trying to shortchange you now.
Call (602) 905-7766 for a free case review. No fee unless we win.
Our attorneys have handled personal injury cases across Arizona and California. We know how Phoenix insurance companies operate, and we know how to push back.
That number reflects real results for real families — medical bills paid, lost wages recovered, and futures protected.
You pay nothing upfront. Our fee comes out of your settlement or verdict. If we do not win your case, you owe us nothing.
Accidents do not follow business hours. Neither do we. Call (602) 905-7766 any time — nights, weekends, and holidays.
Our Phoenix team works out of 2700 N Central Ave, Suite 320. We know the roads, the courts, and the insurance adjusters you are up against.
“After a crash, you need a team that answers the phone, explains your options, and fights for every dollar you are owed. That is what we do at The Simon Law Group.”
Over 250 years of combined attorney experience
Phoenix office at 2700 N Central Ave, Suite 320 |
Licensed in Arizona and California
Three situations come up the most. Your claim got denied. Payments have been delayed past 30 days. Or the settlement offer would not cover half your medical bills. Any one of those is reason enough to call. Insurance companies negotiate differently when they know a lawyer is watching.
We take cases on contingency. No upfront payment. No hourly bills. If we do not recover money for you, you owe us nothing. First consultation is free too.
Absolutely. Arizona lets policyholders file first-party bad faith lawsuits. If your own carrier violated good faith and fair dealing, you can go after damages beyond what the policy owed. The law is on your side here.
Two years, generally. The clock starts when you knew or should have known about the bad faith. That sounds like a lot of time, but building a solid case takes months of preparation. Earlier is always better.
Insurance litigation covers any lawsuit over an insurance dispute. Bad faith is a specific flavor of that, where the insurer went beyond a simple disagreement and actually mishandled your claim on purpose or through reckless disregard. The big difference? Bad faith claims can bring punitive damages to the table. Regular litigation usually cannot.
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