After paying for months or even years of insurance, everyone hopes that their insurance company or broker will provide them with financial assistance after an accident. Unfortunately, these companies are out to make a profit and this means they want to pay out as little as possible. In these instances, it is not only vital to hire an attorney as quickly as possible, but to also understand some of the tricks an insurance provider may use to invalidate your injury claim.
- Pre-Existing Conditions
Claiming that an injury was pre-existing and not from the accident is one of the most common ways that an insurance company will try to invalidate claims. Even if there was a pre-existing injury that was only worsened from the accident, you may still be eligible for compensation. One of the reasons that many claims adjusters ask their clients to provide their entire medical history is so they can find a loophole in the policy.
- Unrelated Injuries
Much like pre-existing conditions, the adjuster may also try to prove that the injury was not from the accident and therefore does not need to be covered. They will often pore over information about exactly what took place and then come up with a list of injuries they believe may have happened. If you feel that your insurance company is working hard to discredit the source and time of your injury, consider enlisting the aid of injury attorneys from places like Bachus & Schanker Law in order to keep insurance company honest.
- Lying or Exaggerating
It is absolutely vital that any injured parties never lie or exaggerate about anything that has taken place. For those who are unsure of what to say, it is always best to remain silent until you have hired an attorney. Almost every insurance policy includes a clause about lying or exaggerating. If this can be proved, then the policy may be immediately voided and the injured party may even be liable for fines in addition to their medical bills.
- Asking for Unnecessary Statements or Tests
When the client does not take an immediate cash settlement, the adjuster may then ask for a full statement or a signed release of the medical records. While a short statement may seem harmless, it can be used against the client when it comes to compensation. A single mistake during the statement such as claiming the accident was at a different time could invalidate the policy and make compensation nearly impossible.
Anyone who feels as if an insurance adjuster is trying to bully them after an injury must immediately contact a personal injury attorney. With billions lost to insurance fraud every year, you can rest assured that insurance providers will do everything possible to invalidate a claim.
Author Info: Anica Oaks is a professional content and copywriter who graduated from the University of San Francisco. She loves dogs, the ocean, and anything outdoor-related. She was raised in a big family, so she’s used to putting things to a vote. Also, cartwheels are her specialty. You can connect with Anica here.