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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. Sadly, insurance companies are not there to help, frequently fighting claims to avoid payouts. It’s critical to be prepared before discussing your case with an insurance adjuster 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. 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 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

It is essential that you seek medical care promptly afer an accident. 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. Drag Out A 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. The insurance company may also delay the case to create a statute of limitation 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. Talk to a lawyer as soon as possible after an accident to avoid a problem.

4. Requiring 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 tactic is used to obtain information to use against you to undervalue the claim. Your conversations with the insurance company are usually recorded. Anything you say can be used to deny 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 best interest to provide a written or recorded statement to your insurance company without talking to a personal injury attorney.

5. Requiring Access to Your Medical Records

Another common tactic is to request a medical records release to gather evidence that can be used to lower the value of your claim. The adjuster might tell you to verify your injuries the insurance company must have 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 they are responsible for your injury. There are laws that prevent insurance companies from denying 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 personal injury attorney. The first offer is almost always less than the value of your claim. If you have been injured, it’s never in your interest to settle a personal 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 a Lawyer Will Take All Your Money

You will likely be discouraged from consulting an accident injury attorney by the Insurance Company. The claims adjuster may suggest the settlement does not require a lawyer or that an attorney will take all the money. However, the truth is, most personal injury attorneys accept cases on a contingency fee, so you pay nothing, and having legal representation will probably increase the amount received 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 lawyer could increase the amount of money you receive from your injury claim. An attorney knows the damages available for an injury claim and they know how to maximize the value of the settlement. In a recent article, it was estimated that 91% of people represented by a personal injury attorney won a settlement compared to just 51% who do not. In addition, the amount you receive could be two to three times more with a lawyer negotiating the settlement. If you’re injured due to negligence on the part of someone else in Phoenix or the surrounding communities, and you’re dealing with an insurance company, don’t go it alone. Contact 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}. Below is a shortlist of area criminal defense, DUI, and family law attorneys in the Phoenix area to start your search.

DUI Defense Presentation

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