How Insurance Companies Try to Reduce Car Accident Settlements in Arizona
Why You’re Getting Lowballed After a Crash in Gilbert
If you were injured in a car accident in Gilbert or anywhere in Maricopa County, the last thing you should have to worry about is being shortchanged by an insurance company. But that’s exactly what happens to countless accident victims. Whether you’re dealing with the other driver’s insurance or your own, there’s one thing you can count on: they will try to protect their bottom line, not your recovery.
At Browne Law Group, our Arizona car accident attorneys have seen every excuse, delay tactic, and lowball offer in the book. Byron Browne, the Anti-Lawyer Lawyer, doesn’t play games—and he doesn’t let insurance companies get away with them either. If you’re wondering why your settlement offer is so low, here’s what might be going on behind the scenes.
They Hope You Don’t Know What Your Case Is Worth
Insurance companies have teams of adjusters and lawyers trained to minimize payouts. They know the average person has no idea what a fair settlement looks like. If they can get you to accept a fast offer, they save money, and you lose out on compensation for things like future medical treatment, lost income, and pain and suffering.
The truth is the full value of a car accident claim isn’t always obvious right away. You might feel okay in the days after a crash, but later realize you’re dealing with chronic pain or limited mobility. That’s why Byron Browne works with medical professionals to understand the full impact of your injuries before demanding compensation.
Recorded Statements and Medical Authorizations Can Be Traps
Insurers often request a recorded statement or access to your complete medical history. Sounds reasonable—but it’s usually a setup. They’re looking for inconsistencies or vague comments that can be twisted later to reduce your claim.
You are not required to give a recorded statement to the other driver’s insurance company. And you don’t have to hand over unlimited access to your health records. Byron Browne can handle all communications for you, ensuring your words don’t get used against you later.
Watch Out for Pre-Existing Injury Arguments
One of the oldest tricks in the book is blaming your pain on a prior injury. Insurance companies dig through your medical history hoping to find something—anything—they can use to deny responsibility. Hurt your back five years ago? They’ll say that’s the real cause, not the crash.
But Byron Browne doesn’t let insurance companies play doctor. He collaborates with medical professionals to accurately distinguish between new injuries and pre-existing conditions. And if your previous injury was aggravated by the crash, Arizona law still allows you to seek damages.
They Downplay Your Pain and Limitations
Injuries like whiplash, nerve damage, and back strain don’t always show up on scans. That gives insurers room to argue that your symptoms aren’t real, or at least not serious. They may say you’re exaggerating. They may even hire their own doctors to say you’re fine.
This is where having the right lawyer makes all the difference. Byron Browne takes the time to understand how the injury has changed your day-to-day life. Whether you can’t pick up your kids, return to work, or enjoy the things you used to, we document everything and fight for compensation that reflects your real losses.
They Ignore Long-Term Costs Like Future Treatment or Lost Earning Potential
Insurance companies want to treat your crash like a one-time event—with one bill and one payout. But that’s not how serious injuries work. You may need months or even years of follow-up care, physical therapy, or surgery. In some cases, you may never return to the same job or income level as before.
Byron Browne doesn’t settle for short-term solutions. He builds your case around the full scope of your damages, including future medical needs and reduced earning capacity. His goal is to make sure the settlement you receive truly covers everything you’ve lost—not just what’s already been billed.
They Blame You for the Crash (Even If It Wasn’t Your Fault)
Arizona uses a pure comparative negligence system. That means your compensation can be reduced if you’re found partially at fault. Insurance companies weaponize this rule by trying to shift as much blame onto you as possible, even if the facts don’t support it.
Maybe they say you were speeding. Or distracted. Or didn’t take action fast enough to avoid the crash. Even if the other driver ran a red light, they’ll still look for ways to chip away at your claim. Byron Browne knows how to push back. He investigates the scene, interviews witnesses, and brings in the right experts to prove who was really at fault.
They Wait You Out, Hoping You’ll Settle Out of Desperation
Insurance companies know that medical bills, missed paychecks, and stress add up fast. Their strategy? Delay. They might ignore your calls, take weeks to “review” paperwork, or promise they’re working on it, while hoping you’ll settle just to make the process end.
That’s where Browne Law Group comes in. Byron doesn’t wait around for a fair offer. He pushes back hard, stays on top of deadlines, and isn’t afraid to take your case to court if that’s what it takes to make them pay.
Your Claim Might Be Worth More Than You Think
Some people hesitate to contact a lawyer because they think their case is “too small.” But even a low-speed crash can lead to long-term pain, missed work, or expensive rehab. We’ve seen numerous cases where the original offer was a fraction of what the victim ultimately received, with the right legal assistance.
Byron Browne will give you a straight answer about what your case may be worth. And if he takes it on, he’ll go after every dollar the law allows—no B.S., no shortcuts.
Talk to a No-Nonsense Arizona Car Accident Lawyer Before You Settle
If an insurance company is offering less than what you need, it’s not personal—it’s business. But with Browne Law Group on your side, you level the playing field. Byron Browne knows the tactics they use and how to beat them.
You don’t need to fight this alone. Contact us today for a free consultation to learn how an experienced Arizona car accident lawyer can help you. We’ll review your case, explain your options, and give you the honest advice you deserve. If you hire us, you don’t pay a cent unless we recover compensation for you.
No Bull. No Nonsense. Just results.
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