Pella Personal Injury Attorneys

When accidents and injuries disrupt lives, personal injury lawyers become indispensable. They specialize in representing victims of negligence, ensuring they obtain the compensation they deserve. This article explores the vital role personal injury lawyers play in guiding individuals through their claims and aiding in recovery.

Common Tactics and Defenses Insurance Adjusters Use in Personal Injury Cases

Personal injury cases can be complex and challenging, especially when dealing with insurance companies. Insurance adjusters often employ various tactics to deny, discredit, or delay personal injury claims. Being aware of these tactics and understanding your rights can significantly impact the outcome of your case. Consulting with an Iowa personal injury lawyer can provide you with the guidance needed to navigate these challenges effectively.

Common Insurance Adjuster Tactics

Access to Medical Records
Insurance adjusters often request access to your medical records, claiming it is necessary to evaluate your injury. However, this tactic can be used to undermine your claim. By gaining access to your entire medical history, adjusters look for pre-existing conditions or previous treatments that could be used to minimize your claim. It is crucial to limit access to only those medical records related to the accident.

Quick, Low-Ball Offers
After an accident, you may be desperate for financial relief, and insurance adjusters know this. They might offer a quick, low-ball settlement to close the case early. These offers often come with a full release, preventing you from seeking additional compensation if your medical condition worsens. It is important to resist the temptation of quick settlements and consult with a lawyer before accepting any offers.

Surveillance
Insurance companies sometimes place claimants under surveillance to gather evidence that can discredit their claims. Activities like taking out the trash or mowing the lawn can be taken out of context to suggest that you are not as injured as you claim. Always follow your doctor’s advice and avoid strenuous activities that could be used against you.

Discouraging Legal Representation
Adjusters may try to dissuade you from hiring a lawyer by promising to handle your claim fairly. They know that once you have legal representation, their tactics will be less effective. A lawyer can help ensure that you receive a fair settlement and protect your rights throughout the claims process.

Ways to Protect Yourself from Insurance Adjuster Tactics

Understanding Your Rights

Educating yourself about your rights and the claims process is crucial. Here are some key points to remember:

- Medical Records: You have the right to refuse access to your full medical history. Only documents related to the accident should be provided.
- Surveillance: Assume you are being observed and follow your doctor’s advice to avoid activities that could be misconstrued.
- Settlement Offers: Do not accept a low settlement offer without consulting a lawyer. Ensure the offer covers all your medical expenses and future costs related to the injury.

Evaluating Your Insurance Policy

If your claim is denied or you are misinformed about your coverage, review your original insurance policy agreement carefully. If you cannot locate this document, request a written copy from the insurance company. If the adjuster refuses, seek legal assistance.

Understanding Comparative Negligence Rule in a Car Accident Claim

When you’ve been seriously injured in a car accident, establishing negligence is crucial for pursuing compensation. Iowa follows the modified comparative fault – 51% rule. This means you can only file a claim against the other driver if your fault is 50% or less. If you are found to be 51% or more at fault, you cannot recover damages.

Proving Negligence
Even if you are less than 51% at fault, your compensation may be reduced based on your level of responsibility. For example, if you were speeding when another driver made an unsafe lane change, both factors will be considered, potentially reducing your claim. An experienced lawyer can help prove the other driver’s negligence to maximize your compensation.

We Are Here To Help

Remember, you are not alone in recovering from your injuries. We have helped thousands of Iowans through their physical, emotional, and financial recoveries. If you have questions about what you are going through, feel free to call our office for your confidential injury conference. We will take the time to listen to you and give you our advice concerning your injury matter at no cost or risk to you.

Free Book at No Cost 

If you are not ready to speak with an attorney yet but would like to learn more about Iowa injury cases including tips about how you can avoid making common costly mistakes request a copy of our Iowa Personal Injury book which includes 14 myths about Iowa injury cases and 5 things to know before hiring an attorney.

If you have specific questions about your injury matter feel free to call our office to speak with our Injury team at 641-792-3595 or use our Chat feature by clicking here 24 hours a day/7 days per week. Your information will remain confidential and there is no cost or obligation.