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Phoenix Personal Injury Lawyers Pull Back The Curtain on Insurance Settlements

Jan 20

Phoenix Personal Injury Lawyers Pull Back The Curtain on Insurance Settlements

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Pulling Back The Curtain on Tactics Used By Insurance Companies to Reduce Settlements

You’ve heard the stories, a friend has been injured in an auto accident, a slip and fall injury, a workplace injury, all your friend wants is fair treatment from their insurance company. Sadly, insurance companies are not there to help, frequently fighting claims to avoid payouts. If you are not prepared before contacting your insurance company or meeting with an adjuster, you may very well walk away empty-handed. In a recent article Phoenix personal injury lawyers pulled back the curtain on the tactics used by insurance companies to reduce the payout to settle claims. Before you discuss your claim with any insurance company, claims adjuster, or agent, you should be aware of the tricks insurance companies use to fight your personal injury claim and lower their payout. Some of the most common tactics are:

1. Shifting the Blame

This is a common tactic. Don’t be surprised if the insurance claims adjuster attempts to shift the blame for the accident to you. Blaming the victim is a common tactic to avoid liability for a car accident or another personal injury. If the case goes to trial, and the insurance company can convince a jury that you were even partially at fault, they can reduce the amount of the claim paid to you. If the insurance company suggests you are partially at fault for your injury, hire a personal injury lawyer immediately.

2. Deny Claims Due To Delayed Medical Care

Prompt medical care is essential for your personal injury claim. Document any injuries or symptoms with a doctor for your claim. Failing to seek prompt medical care leaves the door open for the insurance company to argue your injuries were from a previous accident.

3. Delaying The Case

Delaying the case is also a common tactic. The insurance company knows you need the money, so delays put pressure on you for a quick settlement. But they may also attempt to delay the case to create a statute of limitations defense. In Arizona, the statute of limitations on personal injury cases is 2 years. For some situations, the statute of limitations may increase or decrease the time to file a claim. a lawyer as soon as possible after an accident to avoid a problem.

4. Requiring Recorded or Written Statements

A claims adjuster may ask you to provide a written or recorded statement to process your claim. This common tactic is used to obtain information which may be against you to undervalue the claim. Your conversations with the insurance company are often recorded. Anything you say can be used against you to deny your claim. Be careful what you say to insurance adjusters. Adjusters are working to protect the insurance company’s interest not yours, regardless of what they tell you. It is not in your best interest to provide a written or recorded statement without talking to a personal injury lawyer.

5. Asking You For Access to Medical Records

Another common tactic is to request a medical records release to gather evidence that may be used to deny or lower the value of your claim. The adjuster might tell you in order to verify your injuries the insurance company needs copies of your medical records. It is highly probable that the insurance company will obtain copies of your full medical history to search for prior injuries and argue that pre-existing conditions are responsible for your injury. There are laws that prevent insurance companies from denying claims based on prior injuries or pre-existing conditions. Talk to a personal injury attorney before signing any release forms.

6. Pressure To Accept A Quick Settlement

Insurance companies may offer you a quick settlement before you have a chance to consult with a car accident lawyer. The first offer is almost always less than the value of your claim. If you have been injured in an accident, it’s not in your interest to settle a personal claim before medical treatment is completed. The full extent of your injuries may not be known until a doctor releases you from treatment.

7. Suggesting That a Lawyer Will Take All Your Money

You will almost always be discouraged from consulting an accident injury lawyer by the Insurance Company. The claims adjuster may suggest the settlement does not require a lawyer or that an attorney will just take all your money. However, in reality, most personal injury attorneys accept cases on a contingency fee, so you pay nothing up front, and having legal representation will probably increase the amount received from a settlement.

The Benefit of Having a Personal Injury Lawyer

You may believe you can negotiate with your insurance company without a lawyer. However, hiring an lawyer could increase the amount of the settlement you receive from your personal injury claim. An experienced attorney understands the damages available for an injury claim and they know how to maximize the value of your settlement. In a recent article, it was estimated that 91% of people represented by a personal injury lawyer get a settlement compared to just 51% who do not. Futhermore, the amount received could be 2-3 times higher with an attorney negotiating the settlement. If you were injured due to negligence on the part of someone else in Phoenix or the surrounding communities, and you’re your insurance company is resisting a settlement, don’t go it alone. Call a car accident or personal injury lawyer.

What About Criminal, DUI, or Family Law Cases?

While much of the same advice applies when facing criminal charges, DUI charges, or a family dispute in Arizona, personal injury law is unique in that you are fighting for monetary compensation. Because of that fact it is quite common for personal injury lawyers to work on a contingency basis, taking their compensation out of the settlement and not your pocket. However, other than personal injury law, you are likely to have to dig deep to pay for a criminal defense, family law, or DUI attorney. Since freedom is on the line and you most likely will pay dearly for it, you should make sure you find an attorney or lawyer experienced in the predicament you find yourself|If you are paying for it, you’ll want to find a best criminal defense lawyer, DUI lawyer, or family law or divorce lawyer that best suits your circumstances}. Here is a list of Phoenix area criminal defense, family law, and DUI lawyers in the Phoenix valley and surrounding areas to get you started.

Personal Injury Resources

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Here’s a map of criminal defense lawyers, DUI lawyers, family law attorneys, and divorce lawyers throughout the Phoenix valley and communities.