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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. Unfortunately for accident victims, insurance companies fight personal injury claims to avoid paying money. It’s critical to be prepared before discussing your case with an insurance adjuster 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 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. 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. Delaying The Case

Delaying the case is also a common tactic. Dragging out the case delays the settlement, so delays put pressure on you to accept 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. For some situations, the statute of limitations 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 to process your claim. This tactic is used to obtain information which may be against you to undervalue the claim. Phone conversations with your insurance company are often recorded. Anything you say can be used against you to hurt your claim. 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 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 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 highly probable that the insurance company will obtain copies of your entire medical history to search for prior injuries and argue that pre-existing conditions are responsible for your injury. There are laws that prevent insurance companies from denying 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 attorney. The first offer is almost always less than the value of your claim. When you have been injured in an accident, it’s never in your interest to settle a personal claim before medical treatment is completed. The extent of your injuries may not be fully known until a doctor releases you from treatment.

7. Suggesting That a Lawyer Will Take All Your Money

You will almost always 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 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 received from a settlement.

The Advantage of Having a Personal Injury 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 money you receive from your injury claim. An experienced attorney knows the monetary damages that may be obtained for an injury claim and how to maximize the value of your settlement. An estimated 91% of people who hire a personal injury lawyer won a settlement compared to only 51% who do 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 someone else’s actions 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}. Below is a shortlist of area criminal defense, DUI, and family law attorneys in the Phoenix area to start your search.

Personal Injury Attorney Resources

Phoenix Legal Map

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