Yes - and if you assume the insurance doctor's opinion is final, your claim can get closed while your pain is treated as "resolved."

What should have happened early on: after a Glendale crash, especially a high-speed rear-end on Loop 101 or a holiday-weekend truck wreck, the record should have started with EMS, the ER, urgent care, or your treating doctor. If you were working as a nurse, teacher, or other employee at the time, a workers' compensation claim should generally have been filed within 1 year with the Industrial Commission of Arizona. If this was also a claim against the truck driver or shuttle company, Arizona's usual lawsuit deadline is 2 years from the crash under A.R.S. § 12-542.

What to do now: get your own medical opinion. In Arizona, an insurer's IME or "independent medical exam" does not stop you from seeing another doctor. Ask for complete copies of your records, imaging, work restrictions, and the IME report. If your workers' comp claim was accepted and later closed, Arizona allows a Petition to Reopen for a new, additional, or previously undiscovered condition, but it must include a supporting medical report from a doctor. If your condition was misread months ago, that second opinion matters.

If this was a non-workers' comp injury claim, keep treating and make sure the new doctor addresses causation - specifically whether your current limits still tie back to the crash.

What comes next: the insurance carrier may schedule another IME or dispute the new opinion. In a workers' comp case, that can lead to a hearing through the Industrial Commission of Arizona. In a truck-crash claim, the new records can change settlement value if they show ongoing impairment, future care, or lost earning capacity.

If you are still within 2 years, the civil claim may still be alive. If workers' comp was closed, reopening may still be available even after a year if the medical evidence is strong.