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 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. 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 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. Document any injuries or symptoms with a doctor for your 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. The insurance company knows you need the money, 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. For some situations, the statute of limitations 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 Recorded or 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 deny the claim. Your conversations with the insurance company are often recorded whether they tell you or not. Anything you say may be used to deny your claim. Be careful what you say to insurance adjusters. 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 provide a written or recorded statement to an adjuster without firsttalking to a personal injury lawyer.
5. Asking You For Access to Your 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 personal injury 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 use the release to 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. Talk to 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 have a chance to consult with a personal injury attorney. But the offer amount is probably much less than the value of your claim. If you have been injured, 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 all medical treatment has been completed.
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 tell you the settlement does not require a lawyer or that a lawyer will take all your money. However, in reality, most personal injury lawyers 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.
Don’t Negotiate With Insurance Companies Without an Attorney
You may believe you can negotiate with your insurance company without a lawyer. However, hiring an lawyer could increase the amount of money you receive from your injury claim. An attorney knows 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 attorney receive a settlement compared to only 51% who did not. In addition, the amount you receive could be two to three times higher 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?
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}. 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 Blogger Legal News Posts
Here’s a map of criminal defense lawyers, DUI lawyers, family law attorneys, and divorce lawyers throughout the Phoenix valley and communities.