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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

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 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. Shifting the Blame

It’s not uncommon for an insurance adjuster to attempt to shift the blame to you for the accident. Insurance companies will try to avoid liability for the accident by suggesting you are at fault 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. 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. Delaying The 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. 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. 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 for the insurance company to process your claim. This common tactic is used to obtain information to use against you to undervalue the claim. Your conversations with the insurance company are usually recorded whether they tell you or not. Anything you say may be used against you 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 never in your best interest to give a written or recorded statement without firsttalking to a personal injury lawyer.

5. Requiring Access to Your 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 personal injury claim. The adjuster may tell you to verify your injuries the insurance company must have copies of your medical records. It is very probable that the insurance company will use the release to obtain copies of your entire 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 conditions. Consult a personal injury lawyer before signing any release forms.

6. Pressuring You For A Quick Settlement

The insurance company may offer you a quick settlement before you consult with a car accident attorney. The first offer is almost always less than the value of your claim. When you have been injured, it’s not 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 all medical treatment has been completed.

7. Discouraging You From Contacting an Attorney

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 a lawyer will just take all the money. However, the truth is, most personal injury lawyers accept cases on a contingency fee, so you pay nothing, and in fact legal representation will likely increase the amount received from a settlement.

Don’t Negotiate With Insurance Companies Without an Attorney

You may believe you can negotiate with your insurance company without a lawyer. However, hiring an attorney could increase the amount of the settlement you receive from your personal injury claim. An attorney knows the monetary damages that may be obtained 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 won a settlement compared to only 51% who do not. Futhermore, the amount you receive could be 2-3 times more 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?

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.

Personal Injury Attorney Resources

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.