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Our Scottsdale AZ personal injury lawyer understands one of the tactics used by insurance companies is delaying the claims process. The longer they take to process a claim, the more financial strain it puts on policyholders. Many people feel pressured to accept lower settlements just to move on. These delays often involve repeated requests for additional paperwork, unnecessary investigations, or claims being transferred between different representatives. The goal is to make the process frustrating enough that you either give up or settle for less than you deserve.
Shifting The Blame
Insurance adjusters frequently try to shift responsibility away from their policyholders to reduce what they have to pay. This might involve misinterpreting police reports, taking statements out of context, or suggesting that pre-existing conditions contributed to your injuries. By introducing doubt, they create opportunities to minimize payouts. This is especially common in auto accidents, slip-and-fall cases, and other liability claims.
Lowball Settlement Offers
Another strategy is offering a settlement that falls far below the actual value of the claim. Insurance companies know that many people do not fully understand what their claim is worth. They might send an offer quickly, hoping you accept before realizing the full cost of your medical bills, lost wages, and other damages. These early offers often fail to cover ongoing treatment, future expenses, or long-term impacts on your life.
Using Your Words Against You
Adjusters are trained to ask questions in ways that can be used against you later. Even a simple statement like “I feel fine” could be twisted to suggest that you were not seriously injured. Recorded statements are particularly risky because they can be edited or taken out of context. It’s important to be cautious when speaking with an insurance representative, as they are trained to extract information that could weaken your claim.
Disputing Medical Treatment
Insurance companies often question the necessity of medical treatments or claim that they are unrelated to the accident. They may argue that your injuries were pre-existing or that you received excessive care. Some will even send you to a doctor of their choice, who may downplay your injuries. This is all done to reduce their financial obligation and justify lower payouts.
Surveillance And Social Media Monitoring
It’s not uncommon for insurance companies to monitor claimants, looking for any reason to dispute the severity of injuries. They may hire private investigators to follow you or review your social media posts. Even an innocent photo of you smiling at a family gathering could be used to argue that you are not in pain. Our Scottsdale personal injury lawyer advises caution when sharing details of your situation online.
How We Can Help You
At Yearin Law Office, we understand the tactics insurance companies use to limit payouts. You do not have to accept an unfair settlement or face these challenges alone. Our Scottsdale personal injury lawyer has over twenty-five years of experience and is here to advocate for your rights, fighting for the compensation you deserve. If your claim has been delayed, denied, or undervalued, contact us today for a risk-free consultation. Let’s work together to protect your interests and secure the outcome you need.
