1. People thinking that if they get a settlement their insurance will go up or their employer’s work comp insurance rate will go up. Once you were injured and notified the insurance company of the claim the decision to raise the insurance rate has already been made! It usually doesn’t matter how big or small the accident was, the rates adjust because of the reported event. So, turning down a settlement only keeps money in the insurance company’s pocket. It almost never impacts your employer’s rates when you get a settlement check!
2. You (or the employer) pay the insurance company money and they cover you if you’re injured. If you don’t make a claim then why are you paying? It is literally just giving away your money!
3. People exaggerating their injuries to get more money. We have seen thousands of injuries…many thousands. We have a very good understanding of what injured folks are physically experiencing. Some of us have even had some of the same injuries (fractures, spine surgeries, near amputations). So, when we hear someone say that their muscle tear was a 10 on a 1-10 scale of pain we know that they’re exaggerating. The judge will know it too. If your pain is a 9 or 10 then you better be on the ground screaming uncontrollably. Otherwise, the judges and jurors will start to think your either looking for a huge pay-day or that you have a much too low tolerance for pain. Either way, you will get less than you probably deserve. The truth is always the best option.