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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

insurance claim

 

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. 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. 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

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

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. Failing to seek prompt medical care leaves the door open for the insurance company to argue your injuries were from a previous accident.

3. Delaying The Case

Dragging out the case benefits the insurance company. The insurance company knows you need the money, 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. 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 to process your claim. This tactic is used to obtain information to use against you to deny the claim. Phone conversations with your insurance company are often recorded. Anything you say may be used to hurt your claim. Claim adjusters are working to protect the insurance company’s best interest not yours, regardless of what they tell you. It is not in your interest to provide a written or recorded statement to your insurance company without firsttalking to a personal injury lawyer.

5. Asking You For 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 personal injury claim. The adjuster might tell you in order to verify your injuries the insurance company needs copies of your medical records. It is highly likely that the insurance company will obtain copies of your full 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 pre-existing conditions. Consult a personal injury lawyer before signing any record release forms.

6. Pressuring You For A Quick Settlement

The insurance company may offer you a quick settlement before you consult with a personal injury lawyer. The first offer is almost always less than the value of your claim. If you have been injured in an accident, it’s never in your best interest to settle an injury claim before medical treatment is completed. The extent of your injuries may not be known until all medical treatment has been completed.

7. Discouraging You From Contacting an Attorney

You will almost always be discouraged from contacting a personal injury attorney by the Insurance Company. The claims adjuster may tell you the settlement does not require an attorney or that a lawyer will just take all your money. However, in reality, 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.

Don’t Negotiate With Insurance Companies Without an 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 from your injury claim. An attorney knows the monetary damages available for an injury claim and how to maximize the value of the settlement. An estimated 91% of people who hire a personal injury lawyer won a settlement compared to just 51% who did 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?

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}. 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.

Criminal Defense Resources

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