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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. 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. 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 the insurance company suggests you are partially at fault for your injury, hire a personal injury lawyer immediately.

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. Drag Out A Case

Delaying the case is also a common tactic. The insurance company knows you need the money, 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. For most cases, the statute of limitations on personal injury is 2 years. There are exceptions to the statute of limitations that 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 Recorded or Written Statements

A claims adjuster may ask you to provide a written or recorded statement 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 usually recorded whether they tell you or not. Anything you say may be used against you to hurt your claim. Be careful what you say to insurance adjusters. Claim adjusters work to protect the insurance company’s interest not yours, regardless of what they tell you. It is never in your interest to provide a written or recorded statement to your insurance company without talking 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 use the release to 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 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 have a chance to consult with a personal injury attorney. But the offer amount is probably much less than the value of your claim. When you have been injured in an accident, it’s never in your interest to settle an injury claim before medical treatment is completed. The full extent of your injuries may not be known until a doctor releases you from treatment.

7. Suggesting That an Attorney Will Take All Your Money

You will likely be discouraged from consulting a personal injury lawyer by the Insurance Company. The claims adjuster may tell you the settlement does not require an attorney or that an attorney will just take all your money. However, the truth is, most personal injury lawyers accept cases on a contingency fee, so you pay nothing up front, and having legal representation will probably increase the amount you receive from a settlement.

Don’t Negotiate With Insurance Companies Without a Lawyer

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 personal injury claim. An attorney knows the monetary damages available for an injury claim and how to maximize the value of your settlement. In a recent article, it was estimated that 91% of people represented by a personal injury attorney won a settlement compared to just 51% who do not. In addition, the amount received could be two to three times higher 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 dealing with an insurance company, 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. 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}. Below is a shortlist of area criminal defense, DUI, and family law attorneys in the Phoenix area to start your search.

Phoenix Injury Attorney Presentations

DUI Legal Defense

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