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

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 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. There are exceptions to the statute of limitations that may increase or decrease the time to file a claim. 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 which may be against you to undervalue the claim. Your conversations with the insurance company are often recorded whether they tell you or not. 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 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 firsttalking to a personal injury attorney.

5. Asking You For Access to 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 personal injury 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 full medical history to search for prior injuries and argue that they are responsible for your injury. There are laws that prevent insurance companies from denying 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

Insurance companies may offer you a quick settlement before you consult with a personal injury attorney. But the offer amount is probably much less than the value of your claim. If you have been injured, it’s not in your best 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. Discouraging You From Contacting an Attorney

You will likely 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 take all your money. However, in reality, most personal injury attorneys accept cases on a contingency fee, so you pay nothing, and having legal representation will probably increase the amount received from a settlement.

Don’t Negotiate With Insurance Companies Without an Attorney

You may believe you can negotiate with your insurance company without a lawyer. However, hiring an lawyer could increase the amount of money you receive for your injury claim. An experienced attorney knows the monetary damages that may be obtained for an injury claim and they know how to maximize the value of your settlement. An estimated 91% of people who hire a personal injury attorney won a settlement compared to just 51% who did not. In fact, the amount received 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. 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. As a result, almost all personal injury lawyers will work on a contingency fee, meaning they only get paid when you do. There is no out of pocket expense to you 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.

Personal Injury 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.