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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

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. 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 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. Denial of Claim 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. 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. 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. 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 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. Phone conversations with your insurance company are often recorded whether they tell you or not. Anything you say can be used to reduce your claim. Claim adjusters work to protect the insurance company’s interest not yours, regardless of what they tell you. It is never in your interest to give a written or recorded statement to your insurance company without firsttalking to a personal injury attorney.

5. Requiring 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 in order to verify your injuries the insurance company needs copies of your medical records. It is very 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 they 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 release forms.

6. Pressure To Accept 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 lower than the value of your claim. If you have been injured in an accident, it’s not in your interest to settle a personal 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 an Attorney

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 an attorney or that a lawyer will just take all the money. However, the truth is, most personal injury lawyers 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.

Don’t Negotiate With Insurance Companies Without a Lawyer

You may believe you can negotiate with your insurance company without a lawyer. However, hiring an attorney could increase the amount of money you receive from your personal injury claim. An attorney understands the damages that may be obtained for an injury claim and they know how to maximize the value of your settlement. In a recent article, it was estimated that 91% of people represented by a personal injury lawyer receive a settlement compared to just 51% who did not. In addition, the amount you receive could be 2-3 times more with a lawyer negotiating the settlement. If you were 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}. 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.

Phoenix Area Attorney Documents

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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.