How Insurance Affects Personal Injury Claims in Tucson
Ever wondered about the role of insurance in personal injury cases in Tucson? When suffering from accident injuries and pain, dealing with insurance companies can be a daunting process. Insurance companies try to minimize the amount they pay, while you aim to receive fair compensation for your pain and suffering.
This article will explain how insurance affects personal injury claims in Tucson, the challenges you may face, and how a personal injury lawyer can help you defend your rights.
How Does Insurance Work in Personal Injury Claims in Tucson?
Insurance plays a key role in personal injury claims. It is the insurance policy that determines the amount received by the accident victim. Most claims involve:
- Liability Insurance – Insurance that covers damages caused by an at-fault party
- Health Insurance – Insurance that pays medical bills after accidents
- Uninsured or Underinsured Motorist Coverage – Applicable when the at-fault party has no insurance or insufficient insurance
Understanding how these insurances work can help you navigate your personal injury claim more effectively.
Why Do Insurance Companies Minimize Payouts?
Many times, insurance companies tend to not think about their clients and focus on minimizing their payouts. They may:
- Offer a low settlement
- Delay the claim process
- Deny any liability
- Pressure for recorded statements to be used against you in future
These tricks are used to reduce their payouts. Having an experienced personal injury attorney like Priscilla Frisby by your side increases your chances of getting fair compensation.
What Role Does Liability Insurance Play in Personal Injury Claims?
Accident liability insurance is the most important factor when it comes to personal injury claims. The at-fault party’s accident liability insurance covers:
- Medical costs
- Wage loss
- Damage to property
- Pain and suffering
What if the At-Fault Party Is Uninsured or Underinsured?
This situation is relatively common. If the at-fault party does not have insurance or does not carry enough insurance, you will need to rely on your own uninsured/underinsured motorist (UM/UIM) insurance coverage. UM/UIM coverage will help cover:
- Medical expenses
- Lost wages
- Pain and suffering
- Other accident-related expenditures
However, even your insurance company might minimize payouts, making legal representation crucial.
How Do Medical Bills Impact Your Claim?
Medical bills account for the major share of the personal injury claim amount. Insurance companies may try to avoid paying these bills by:
- Arguing that the patient’s treatment is unnecessary and/or excessive
- Refusing to compensate for certain medical treatment
- Delaying payments so that the victim is forced to agree to a quick settlement
It is important to maintain detailed records of:
- All medical treatments
- Doctor’s recommendations
- Pharmacy and therapy prescriptions
These will help substantiate the claim and improve chances of fair compensation.
Should You Accept the First Settlement Offer?
Insurance companies try to offer a low settlement amount in their first offering. Their ultimate goal is to settle their claims as quickly and cost efficiently as possible. Accepting the first offer can deprive you of thousands of dollars. Reasons for not accepting the first offer may include the following:
- It may not cover future medical expenses.
- You still have some other injuries to be treated.
- After settling, the claim cannot be reopened.
It is best to consult a personal injury lawyer like Priscilla Frisby to properly assess the true value of your claim.
How Can Priscilla Frisby Help You?
Priscilla Frisby understands how difficult personal injury claims in Tucson can be. Services include:
- Communicating with insurance companies as your representative
- Collecting evidence to support your claim
- Negotiating to settle for fair compensation
- Representing you in court if required
Final Thoughts
Personal injury claims in Tucson can be quite difficult, especially when dealing with insurance companies trying to cut their payouts. It is important to understand how insurance companies impact your personal injury claims. If you encounter difficulties claiming your compensation, contact Priscilla Frisby to fight for you and ensure that justice is served.
FAQs
- How much time do I have to file a Tucson personal injury claim?
In Arizona, you have two years to file a personal injury claim from the accident date.
- Can I still get compensation if I was partially at fault?
Arizona has a comparative negligence rule, meaning you can still recover damages. However, they will be reduced by the percentage of fault attributed to you in the accident.
- Should I talk to the insurance company without a lawyer?
No. You should consult with an experienced personal injury lawyer to avoid making any damaging statements regarding your claim.