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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 claims


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 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. 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 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. Document any injuries or symptoms with a doctor for your 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. 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. 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. 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 common tactic is used to obtain information to use against you to undervalue the claim. Your conversations with the insurance company are usually recorded. Anything you say can be used against you to reduce your 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 best interest to give a written or recorded statement to your insurance company without firsttalking to a personal injury attorney.

5. Requiring Access to Your Medical Records

Another 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 in order to verify your injuries the insurance company needs copies of your medical records. It is very likely that the insurance company will 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. Consult a personal injury lawyer before signing any record release forms.

6. Pressure To Accept A Quick Settlement

Insurance companies may offer you a quick settlement before you consult with a car accident 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 interest to settle an injury claim before medical treatment is completed. The full extent of your injuries may not be fully known until a doctor releases you from treatment.

7. Discouraging You From Contacting a Lawyer

You will likely be discouraged from consulting a personal injury attorney by the Insurance Company. The claims adjuster may suggest the settlement does not require a lawyer or that an attorney will just take all the money. However, in reality, 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 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 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 lawyer get a settlement compared to only 51% who do not. In fact, the amount you receive could be two to three times higher with an attorney negotiating the settlement. If you’re injured due to negligence on the part of someone else 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?

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.

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