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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. 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 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

Prompt medical care is essential for your personal injury claim. 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. Delaying The Case

Dragging out the case benefits the insurance company. Dragging out the case delays the settlement, so delays put pressure on you to accept a quick settlement. The insurance company may also delay the case to create a statute of limitation 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. 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 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 often recorded. Anything you say can be used to hurt your claim. Claim adjusters work to protect the insurance company’s best interest not yours, regardless of what they tell you. It is never in your interest to give a written or recorded statement to your insurance company without talking to a personal injury lawyer.

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 claim. The adjuster may tell you to verify your injuries the insurance company needs copies of your medical records. It is highly probable that the insurance company will obtain copies of your entire 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 pre-existing conditions. Consult 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 have a chance to consult with a car accident lawyer. But the offer amount is probably far lower than the value of your claim. If you have been injured in an accident, 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. Suggesting That a Lawyer Will Take All Your Money

You will almost always be discouraged from contacting a personal injury lawyer 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 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.

The Advantage of Having a Personal Injury Attorney

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 the settlement you receive for your injury claim. An attorney understands the monetary damages that may be obtained 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 only 51% who did not. In fact, the amount received could be 2-3 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. Contact 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.

Personal Injury Table of Contents

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.