You need to be concerned about the personal injury AZ statute of limitations and keep in mind that insurance companies have important deadlines you must meet. Failure to get your claim filed before these deadlines expire or the statute of limitations passes will have devastating consequences on the outcome of your case.
The insurance company will likely deny you the compensation you would have otherwise been entitled to. The civil court system will simply refuse to hear your case. No matter how sympathetic they are to the trauma you have been through, if your lawsuit is not filed before these time limits, you will likely lose your opportunity to recover the compensation that is rightfully yours.