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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

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. It’s critical to be prepared before discussing your case with an insurance adjuster 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

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 case goes to trial, and the insurance company can convince a jury that you were even partially at fault, they can reduce the amount of the claim paid to you. If the insurance company suggests you are partially at fault for your injury, hire a personal injury lawyer immediately.

2. Denial of Claim 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. 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 to accept 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. 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 for the insurance company to process your claim. This common tactic is used to obtain information to use against you to deny the claim. Your conversations with the insurance company are often recorded. Anything you say can be used against you to hurt your claim. Adjusters work to protect the insurance company’s best interest not yours, regardless of what they tell you. It is never in your interest to provide a written or recorded statement without talking to a personal injury lawyer.

5. Asking You For Access to Medical Records

Another common tactic is to request a medical records release to gather evidence that can be used to lower the value of your personal injury claim. The adjuster might tell you to verify your injuries the insurance company must have copies of your medical records. It is highly likely that the insurance company will use the release to 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 conditions. Consult a personal injury attorney before signing any release forms.

6. Pressuring You For A Quick Settlement

Insurance companies may offer you a quick settlement before you have a chance to consult with a car accident attorney. The first offer is almost always lower than the value of your claim. When you have been injured in an accident, it’s not 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 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 a lawyer 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 having legal representation will likely increase the amount you receive from a settlement.

The Advantage of Having a Personal Injury Lawyer

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 the settlement you receive from your personal injury claim. An attorney understands the damages available for an injury claim and 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 receive a settlement compared to only 51% who did not. Futhermore, the amount received could be 2-3 times higher with an attorney negotiating the settlement. If you were 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. 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. 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.

Criminal Defense Resources

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