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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

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. It’s critical to be prepared before discussing your case with an insurance adjuster In this article, Phoenix personal injury lawyers provide tips and reveal common tactics used by insurance companies to minimize settlement 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 your insurance company tries to claim you are at fault, hire a personal injury lawyer to represent your case.

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. 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. For some situations, the statute of limitations 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 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 whether they tell you or not. Anything you say can be used to hurt your claim. Be careful what you say to insurance adjusters. Adjusters work to protect the insurance company’s best interest not yours, regardless of what they tell you. It is never in your best interest to provide a written or recorded statement to your insurance company without firsttalking to a personal injury lawyer.

5. Requiring 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 claim. The adjuster might tell you to verify your injuries the insurance company must have copies of your medical records. It is very likely that the insurance company will obtain copies of your entire medical history to search for prior injuries and argue that they 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 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 lower than the value of your claim. If you have been injured in an accident, 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 known until all medical treatment has been completed.

7. Suggesting That an Attorney Will Take All Your Money

You will likely be discouraged from consulting a personal injury attorney by the Insurance Company. The claims adjuster may tell you the settlement does not require a lawyer or that a lawyer 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 having legal representation will probably increase the amount you receive from a settlement.

The Benefit of Having a Personal Injury Attorney

You may believe you can negotiate with your insurance company without a lawyer. However, hiring an attorney could increase the amount of money you receive for your personal injury claim. An experienced attorney knows the monetary damages that may be obtained for an injury claim and how to maximize the value of your settlement. An estimated 91% of people who hire a personal injury lawyer get a settlement compared to just 51% who do not. In addition, the amount received could be two to three times more with a lawyer 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?

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.

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