Phoenix Personal Injury Lawyers Pull Back The Curtain on Insurance Settlements
Phoenix Personal Injury Lawyers Pull Back The Curtain on Insurance Settlements
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 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. Shifting the Blame
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 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. 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. 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
It’s not uncommon for an adjuster to ask for a written or recorded statement to process your claim. This common tactic is used to obtain information to use against you to undervalue the claim. Your conversations with the insurance company are often recorded. Anything you say can be used to hurt your claim. Be careful what you say to insurance adjusters. Adjusters are working to protect the insurance company’s best interest not yours, regardless of what they tell you. It is never in your best interest to provide a written or recorded statement 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 can be used to lower the value of your claim. The adjuster may tell you in order to verify your injuries the insurance company must have copies of your medical records. It is highly likely 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. It is unlawful for insurance companies to deny claims based on prior injuries or conditions. Consult a personal injury lawyer before signing any record release forms.
6. Pressuring You For A Quick Settlement
The insurance company 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. If you have been injured in an accident, it’s never in your interest to settle a personal 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 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 an attorney or that a lawyer will take all your 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.
The Benefit 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 the settlement you receive for your injury claim. An experienced attorney understands the damages available for an injury claim and how to maximize the value of the settlement. An estimated 91% of people who hire a personal injury attorney receive a settlement compared to only 51% who did not. In fact, the amount you receive could be 2-3 times more with an attorney 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?
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.
Here’s a map of criminal defense lawyers, DUI lawyers, family law attorneys, and divorce lawyers throughout the Phoenix valley and communities.