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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 claims

 

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. 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 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. Insurance companies will use various tactics to fight your personal injury claim or lower the amount of the settlement. Here’s a list of the most common tactics:

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. Denial of Claim 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. If you do not seek prompt medical care, the insurance company may argue the accident did not cause your injury.

3. Drag Out A Case

Dragging out the case benefits the insurance company. Dragging out the case delays the settlement, 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. For most cases, the statute of limitations on personal injury 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 Written Statements

A claims adjuster may ask you to provide a written or recorded statement for the insurance company to process your claim. This tactic is used to obtain information to use against you to undervalue the claim. Phone conversations with your insurance company are usually recorded whether they tell you or not. Anything you say may be used to deny your claim. Claim adjusters are working to protect the insurance company’s interest not yours, regardless of what they tell you. It is not in your interest to provide a written or recorded statement to an adjuster without firsttalking to a personal injury attorney.

5. Requiring Access to 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 must have copies of your medical records. It is highly likely 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. 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. Pressuring You For A Quick Settlement

Insurance companies may offer you a quick settlement before you have a chance to consult with a personal injury attorney. The first offer is almost always lower than the value of your claim. When you have been injured in an accident, it’s never in your best interest to settle an injury claim before medical treatment is completed. The full extent of your injuries may not be fully 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 a personal injury attorney by the Insurance Company. The claims adjuster may suggest the settlement does not require an attorney or that a lawyer will just take all the money. However, in reality, most personal injury lawyers accept cases on a contingency fee, so you pay nothing, and in fact legal representation will probably increase the amount received from a settlement.

Don’t Negotiate With Insurance Companies Without an Attorney

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 injury claim. An attorney understands the damages that may be obtained for an injury claim and how to maximize the value of the settlement. An estimated 91% of people who hire a personal injury attorney won a settlement compared to only 51% who did not. In fact, the amount you receive could be two to three times more 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. As a result, almost all personal injury lawyers will work on a contingency fee, meaning they only get paid when you do. There is no out of pocket expense to you 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}. Below is a shortlist of area criminal defense, DUI, and family law attorneys in the Phoenix area to start your search.

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Phoenix Legal Map

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