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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 lawyers


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. 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. Before you discuss your claim with any insurance company, claims adjuster, or agent, you should be aware of the tricks insurance companies use to fight your personal injury claim and lower their payout. Some of the most common tactics are:

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 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 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

Prompt medical care is essential for your personal injury claim. 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. Drag Out A Case

Delaying the case is also a common tactic. 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. 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 to use against you to deny the claim. Your conversations with the insurance company are usually recorded. Anything you say can be used against you to reduce 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 not in your interest to give a written or recorded statement without talking to a personal injury attorney.

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 may tell you to verify your injuries the insurance company must have copies of your medical records. It is very 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. There are laws that prevent insurance companies from denying claims based on prior injuries or conditions. Consult a personal injury lawyer before signing any release forms.

6. Pressuring You For A Quick Settlement

The insurance company may offer you a quick settlement before you consult with a car accident lawyer. But the offer amount is probably far lower than the value of your claim. When you have been injured, it’s not in your interest to settle an injury claim before medical treatment is completed. The 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 an accident injury lawyer by the Insurance Company. The claims adjuster may tell you the settlement does not require a lawyer or that an attorney will take all your money. However, in reality, most personal injury attorneys accept cases on a contingency fee, so you pay nothing, and in fact legal representation will likely increase the amount you receive from a settlement.

The Benefit 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 money you receive for your injury claim. An attorney knows the 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 receive a settlement compared to just 51% who did not. In fact, the amount received could be two to three times more with a lawyer 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. Call 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. 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}. 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.

Defense Lawyer Contact Forms

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