There are several tactics insurance companies commonly use when dealing with injury victims. Although sometimes there may be a legitimate reason for their requests, it may also be a sign the insurance company is fishing for reasons to lower your settlement.
A common tactic of insurance companies is to ask you for a recorded statement about how you were injured. Frequently, an insurance representative will attempt to obtain this statement shortly after your injury – before you have talked to a lawyer. You should never give a recorded statement first consulting with a lawyer. You can learn more about recorded statements here.
Medical Record Releases
Another insurance tactic is to ask you to sign a medical records release. Again, you should speak to a lawyer before signing this type of release. A frequent tactic is for the insurance company to trick you into releasing your entire life of medical records, including information not related to your accident. They do this to fish for other, irrelevant medical conditions that they will point to later to try and reduce your settlement. You can learn more about medical record releases here.
Offers of “Quick Settlements”
If an adjuster makes a quick offer to settle your case, this should set off alarm bells. This is often a tactic to tempt you into settling your case for less than its fair value.
Discouraging Legal Advice / Hiring a Lawyer
You should be deeply concerned if an insurance adjuster says you do not need to talk to a lawyer or discourages legal advice. They will often falsely suggest that getting a lawyer will reduce your settlement because of lawyer fees. An insurance-company study found that people represented by lawyers recover, on average, 3 times more than those with attorneys. After this study, some insurance companies started training adjusters in tactics designed to get people to resolve their claims before seeking legal advice. (One of these tactics is the “quick settlement” approach).
You Should Not Go into the Process Alone or Without Knowing the “True Value” of your Case
Insurance companies can use information obtained through recorded statements and medical record releases against injury victims.
Contact us and an attorney will review any papers sent by insurance representative, without cost. We will also advise you whether it is appropriate to give a statement or talk to the insurance representative about the circumstances of the injury. If you have already signed a medical release or given a statement, we can evaluate how this may impact your claim.
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Man physically assaulted at his workplace.
Woman suffered from an ankle fracture after a truck turned in front of her vehicle.
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Don is a founding partner and one of the nation’s top-ranked personal injury litigators. He is a member of the Multi-million Dollar Advocates Forum, which includes less than 1% of the nation’s trial lawyers, and awarded the highest ranking given by Martindale Hubbel and AVVO.
More importantly, Don understands representing personal injury victims is about more than recovering the best settlement: it’s about helping clients get back on their feet and supporting them in every aspect of their recovery.
In nearly all cases, our clients seek compensation from the wrongdoer’s insurance company. Before forming Wruck Paupore, Jason worked for a prominent law firm representing some of the world’s largest insurers. This experience gives Jason a deep understanding of the insurance industry and the strategies it uses to pay injury victims as little as possible.
Jason -- and our entire team -- put this inside knowledge to work to force insurance companies to pay what is actually owed. Often, we use the insurance company’s own tactics against them as we fight for the full compensation our client deserves.
For more than four decades, Keith has been fighting for injury victims. During that time, he’s watched the insurance industry change, with insurers now more interested in protecting their stock price than treating injury victims fairly.
Since the beginning, Keith has put people first. From his childhood in Gary, Indiana during the 1960’s and working his way through law school, Keith has risen to become one of the Midwest’s most respected trial lawyers. He has never forgotten that being a lawyer is about helping people -- and seeing injury victims through struggles in a way that could change their lives forever.
Over the decades, Keith, Don and Jason have fought relentlessly for clients, even when other lawyers have said the case was impossible to win.
Advertising Materials / Legal Advertising. Any testimonials or stories set forth on this website are by actual clients and their families. Such testimonials or stories are provided for informational purposes only and are not to be considered as a promise or guarantee as to the outcome of your specific case and may not be typical. Every case presents unique facts and circumstances. You case and expected outcome will likely differ from the facts of the cases listed. The only way to properly evaluate your case is to consult with a qualified personal injury attorney.