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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 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. 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 your insurance company tries to claim you are at fault, hire a personal injury lawyer to represent your case.

2. Denial of Claim Due To Delayed Medical Care

It is essential that you seek medical care promptly afer an accident. 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

Delaying the case is also a common tactic. Dragging out the case delays the settlement, 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. It’s best to speak with 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 to process your claim. This common tactic is used to obtain information which may be against you to deny the claim. Phone conversations with your insurance company are usually recorded whether they tell you or not. Anything you say can be used against you to deny your claim. Adjusters are working to protect the insurance company’s interest not yours, regardless of what they tell you. It is not in your best interest to give a written or recorded statement to your insurance company without talking to a personal injury attorney.

5. Asking You For Access to 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 may 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 use the release to obtain copies of your full 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 pre-existing conditions. Talk to a personal injury lawyer before signing any 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. But the offer amount is probably much less than the value of your claim. If you have been injured, it’s never in your best interest to settle a personal 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 likely 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 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 probably increase the amount received 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 lawyer could increase the amount of money you receive from your personal injury claim. An attorney understands the monetary damages that may be obtained for an injury claim and 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 only 51% who did not. In addition, the amount you receive could be two to three times higher with a lawyer negotiating the settlement. If you are 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. 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 Unfortunately, for almost all other practice areas you’ll most likely have to dig deep into your pockets. 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.

Phoenix Legal News

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