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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

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 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. 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 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

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. 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 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. 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 common 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 can be used against you to hurt your claim. Be careful what you say to insurance adjusters. Claim adjusters are working 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 talking to a personal injury lawyer.

5. Asking You For Access to Your Medical Records

A 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 might tell you to verify your injuries the insurance company needs copies of your medical records. It is very probable 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. 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 record 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 less than the value of your claim. If you have been injured in an accident, it’s not in your interest to settle an injury 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 a Lawyer

You will almost always 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 an attorney will just take all the money. However, in reality, most personal injury attorneys accept cases on a contingency fee, so you pay nothing up front, and in fact legal representation will likely increase the amount you receive 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 attorney could increase the amount of money you receive from your injury claim. An attorney understands the 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 won a settlement compared to just 51% who did not. Futhermore, the amount you receive could be 2-3 times more with an attorney 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?

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. 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.

Collection of Personal Injury Resources

Criminal Lawyer Resource

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