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. 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 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 the insurance company suggests you are partially at fault for your injury, hire a personal injury lawyer immediately.
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. Failing to seek prompt medical care leaves the door open for the insurance company to argue your injuries were from a previous accident.
3. Delaying The Case
Dragging out the case benefits the insurance company. Dragging out the case delays the settlement, 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. Talk to 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 tactic is used to obtain information which may be against you to deny the claim. Your conversations with the insurance company are usually recorded. Anything you say may be used against you to deny your claim. Be careful what you say to insurance adjusters. Claim adjusters work to protect the insurance company’s best interest not yours, regardless of what they tell you. It is not in your interest to give a written or recorded statement without firsttalking to a personal injury lawyer.
5. Requiring Access to Medical Records
A 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 might tell you to verify your injuries the insurance company must have 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
The insurance company may offer you a quick settlement before you have a chance to consult with a car accident attorney. But the offer amount is probably far lower than the value of your claim. If you have been injured, 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 fully known until a doctor releases you from treatment.
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 an attorney or that an attorney will just take all your money. However, the truth is, most personal injury attorneys accept cases on a contingency fee, so you pay nothing, and in fact legal representation will probably increase the amount you receive from a settlement.
The Advantage of Having a Personal Injury 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 injury claim. An experienced attorney understands the monetary damages that may be obtained for an injury claim and they know 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 do not. Futhermore, the amount received could be 2-3 times more with a lawyer 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 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.
Here’s a map of criminal defense lawyers, DUI lawyers, family law attorneys, and divorce lawyers throughout the Phoenix valley and communities.