How Can a Lawyer Help With an Injury Insurance Claim?

Arizona has strict laws regarding insurance coverage. The law establishes mandatory insurance coverage for all motor vehicles, as well as other types of insurance coverage recommended or needed for drivers, property owners, businesses, hotels, medical providers, and so on. An insurance claim lawyer will tell you not to forgo coverage.

So, how can a lawyer help with an injury insurance claim?

The purpose of these laws and the insurance coverage they mandate are to protect you when something goes wrong. Whether an unexpected event causes you property damage or a personal injury, the insurance is there to make up for your injuries and damages. Thus, if someone else causes you to suffer a physical injury and damages, there should be insurance coverage available to compensate you for your losses.

Unfortunately, as we have seen, making a claim against an insurance policy can be an uphill battle. Even though insurance was purchased to ensure you are fairly compensated, insurance companies work hard to minimize the insurance benefits they pay out. That is why it is important to contact a Phoenix personal injury lawyer who can assist you with the insurance claims process, and litigation if necessary.  Have a trusted insurance claim lawyer help you pursue an injury insurance claim.

Common Challenges of Handling an Insurance Claim on Your Own

You might be tempted to handle your insurance claim without an insurance claim lawyer. In some circumstances, you might do a good job.  Smaller claims that have limited damages can be settled without hiring a lawyer. However, if your claim has any complexity or includes medical treatment beyond an evaluation, don’t be fooled into thinking your claim is easy. In those cases, rarely will an insurance adjuster quickly cut you a check. It almost never happens.

Insurance companies are for-profit corporations

Insurance companies are not in the business of giving away money. They are not in the business of caring for injury victims. They are in the business of screwing injury victims for profit. Why? Greed. Insurance companies have owners, shareholders, and executives who depend on the insurance company to make them money. So the insurance companies take in insurance premiums and work hard to minimize expenses, which are mostly the insurance benefits paid to injury victims. Insurance adjusters receive extensive training on how to limit payouts, frustrate claimants, and even take advantage of unsuspecting injury victims.

Tactics insurance companies use when claimants do not have a lawyer

When an injury victim makes a claim against the at-fault driver or business owner, the insurance company uses several tactics to limit payouts, including:

• Telling the claimant they do not need an attorney for their claim.
• Telling the claimant that hiring a lawyer will cost them more time and money than it is worth.
• Telling the claimant that they probably don’t need medical treatment.
• Offer a quick settlement before the claimant knows the true extent of their injuries or damages.
• Offer a quick settlement that is well below the true value of the claim, knowing that the injury victim needs money to pay their medical bills.
• Contact the claimant for a recorded statement and ask questions in a way to undermine any claim the injury victim might make.
• Challenge liability, even claiming a witness says the injury victim was at fault for the accident.
• Challenge the severity of injuries, claiming they are not allowed to compensate the injury victim for certain types of treatment.
• Delay or slow play an investigation to frustrate the injury victim.

Insurance companies hope that these tactics cause the injury victim to accept a settlement offer that is low, inadequate, and not fair.  They know claimants only get one shot to resolve their claim, so they do everything they can to close out a claim before you get a personal injury lawyer.

How Can A Lawyer Help with an Injury Insurance Claim?

Our personal injury lawyers have handled thousands of insurance claims.  When we are on the other side, adjusters know that they cannot use the same tricks they use on unrepresented people because we will take them to court.  The other benefits of having a lawyer help with an injury insurance claim are they will:

1. Fully investigate your claim.
2. Calculate your past and future damages to determine a fair settlement amount.
3. Handle all insurance communications so you don’t have to.
4. Negotiate for the maximum compensation available.
5. File a lawsuit if the insurance company refuses to pay fair compensation.

These are just a few of the benefits of having a lawyer help with an injury insurance claim.

Lawyers will listen to you.

An experienced personal injury team has compassionate team members who take the time to explain things to you and answer all your questions.  Their experience allows them to understand the problems you face, since many injury victims are in the same situation, and work towards maximizing the compensation you receive.

Lawyers will investigate your case.

An experienced attorney thoroughly reviews every detail of your accident to determine what took place and who is responsible.  They use their extensive knowledge and resources to advocate for you.  Sometimes this includes thoroughly investigating other sources of compensation when the at-fault party is underinsured.

Lawyers negotiate with insurance companies.

Experienced lawyers know how to negotiate with insurance companies, which is why you should let them.  They use well-established techniques to get you the maximum compensation you deserve, either through settlement or jury trial.  Importantly, however, you have some control over how much your case settles; that is, your lawyer might have a target value in mind, but you have to power to override the lawyer and take a lower settlement if you believe it is fair.

Consult with an Insurance Claim Lawyer

If you’ve been injured by someone else’s negligent or reckless conduct, contact our insurance claim law firm in Phoenix, AZ. Contact our firm for a free consultation and learn how we can help with your insurance claim.

Other Accident Resources

If you are considering making a claim against an insurance policy, you might want to check out our Free Personal Injury Settlement Calculator, learn why you might have memory problems after a car accident, or learn why you have muscle spasms after a crash.  You may also be interested in learning what are the 10 most dangerous intersections in Phoenix.  Ultimately, you might want to consult with a Phoenix car accident lawyer to learn if you are entitled to compensation for your crash-related injuries.

About the Author

Joseph D'Aguanno

Guided by the belief that being a highly skilled specialist in a narrow field is better than being ordinary in everything, Joseph “JD” D’Aguanno leads Arizona’s best personal injury law firm in Phoenix, AZ. Having extensive cross-training in pre-litigation negotiations and trial lawyer skills, with decades of experience, JD strives to provide clients with the most valuable legal services a personal injury lawyer can provide. Under his direction, Gage Mathers Law Group is an award-winning personal injury law firm providing aggressive representation to victims of a car accident, medical malpractice, dog bite, motorcycle accident, and other injurious events. Gage Mathers is trusted by thousands of lawyers and clients throughout the country because of their reputation for getting clients the maximum compensation they deserve.

Years of experience: Over 23 years
Bar number: 020421
Location: Phoenix, AZ
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