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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

personal injury

 

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

We've all been there, an auto accident, slip & fall, or another personal injury, all you want is fair compensation from your insurance company. Unfortunately for accident victims, insurance companies fight personal injury claims to avoid paying money. If you are not prepared before contacting your insurance company or meeting with an adjuster, you may very well walk away empty-handed. In this article, Phoenix personal injury lawyers provide tips and reveal common tactics used by insurance companies to minimize settlement 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. Blame the Victim

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 insurance company can convince a jury that you were partially, or completely, at fault, your compensation can be reduced by a proportionate amount. If the insurance company suggests you are partially at fault for your injury, hire a personal injury lawyer immediately.

2. Denial of Claim Due To Delayed Medical Care

Prompt medical care is essential for your personal injury claim. Discuss any symptoms with a doctor to ensure that injuries are documented for the claim. If you do not seek prompt medical care, the insurance company may argue the accident did not cause your injury.

3. Delaying The Case

Dragging out the case benefits the insurance company. Dragging out the case delays the settlement, so delays put pressure on you to accept 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. There are exceptions to the statute of limitations that may increase or decrease the time to file a claim. It’s best to speak with a lawyer as soon as possible after an accident to avoid a problem.

4. Requiring Recorded or Written Statements

It’s not uncommon for an adjuster to ask for a written or recorded statement for the insurance company 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 may be used against you to reduce your claim. Claim adjusters work to protect the insurance company’s best interest not yours, regardless of what they tell you. It is not in your interest to give a written or recorded statement to an adjuster without talking to a personal injury attorney.

5. Asking You For Access to Your Medical Records

A common tactic is to request a medical records release to gather evidence that may be used to deny or lower the value of your personal injury 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 entire medical history to search for prior injuries and argue that pre-existing conditions are responsible for your injury. It is unlawful for insurance companies to deny claims based on prior injuries or conditions. Talk to a personal injury attorney before signing any record release forms.

6. Pressure To Accept A Quick Settlement

The insurance company may offer you a quick settlement before you consult with a car accident lawyer. The first offer is almost always less than the value of your claim. When you have been injured, it’s never in your interest to settle a personal claim before medical treatment is completed. The extent of your injuries may not be known until a doctor releases you from treatment.

7. Suggesting That an Attorney Will Take All Your Money

You will almost always be discouraged from contacting an accident injury lawyer by the Insurance Company. The claims adjuster may tell you the settlement does not require a lawyer or that an attorney will just take all your money. However, the truth is, most personal injury attorneys accept cases on a contingency fee, so you pay nothing, and in fact legal representation will likely increase the amount you receive from a settlement.

The Advantage of Having a Personal Injury Lawyer

You might think that you do not need a personal injury lawyer and can get a settlement on your own. However, hiring an attorney could increase the amount of the settlement you receive from your personal injury claim. An experienced attorney knows the monetary damages available for an injury claim and 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 receive a settlement compared to only 51% who did not. In fact, the amount you receive could be two to three times higher with an attorney negotiating the settlement. If you’re injured due to someone else’s actions in Phoenix or the surrounding communities, and you’re your insurance company is resisting a settlement, don’t go it alone. Contact a car accident or personal injury lawyer.

What About Criminal, DUI, or Family Law Cases?

What’s the difference between personal injury lawyers and criminal defense or family law lawyers? Personal injury lawyers fight to get you paid, criminal defense and family law fight for your feedom. 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.

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Defense Lawyer Locations

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