Insurance Companies Want To Deny Your Claim
A serious auto accident will leave victims with a number of expenses to pay. There may be hospital bills, doctors’ fees, prescription costs, insurance deductibles, lost wages, and car repair or replacement.
In theory, insurers should be covering these costs; in reality, they will usually attempt to avoid paying these expenses, or to reduce your reimbursement for them. They may offer inadequate settlements or challenge victims’ claims. This is why it’s imperative to work with an attorney who understands how to evaluate your case and represent for your losses.
If you’ve been in an accident, reach out to the law offices of Mark A. Di Carlo, PLLC. Mark has more than 30 years of experience helping accident victims in Corpus Christi and the surrounding area obtain a fair settlement or judgment. He has proven himself skilled at fighting insurance companies in and out of court, and he understands how to maximize the compensation his clients receive.
The Tactics Insurers Use After An Accident
Insurance companies have a number of tried-and-true strategies they use to underpay claims or deny them outright. These include:
- The lowball — After an auto accident or other mishap, insurance companies are quick to send an appraiser to the scene. In many instances, this representative might make an early settlement offer to injury victims. The settlement may seem generous, but there is good reason to be cautious. The total costs of an injury can be difficult to gauge, especially for victims unfamiliar with the industry. These settlement offers are made in bad faith and routinely fail to cover the expenses of ongoing care and other unforeseen concerns. Indeed, insurers make such offers in order to pay out as little as possible.
- Online stalking — The easiest way for an insurance company to challenge or deny a claim is to demonstrate that victims are exaggerating the severity of their injuries — or faking them outright. To do so, insurers monitor victims’ online profiles and social media accounts, looking for any evidence that could be used to dispute a victim’s injury claim. Something as innocent as a picture of the victim smiling with family members can be leveraged to show that a victim’s suffering must not be substantial. As such, victims must proceed with caution on the internet.
- Physical stalking — Victims must proceed with caution in the real world, as well. In contentious cases, insurance companies will sometimes hire a private investigator to follow accident victims in their day-to-day lives. These investigators are adept at taking video or snapping pictures of victims performing activities that make them appear uninjured.
Insurance companies endeavor to intimidate victims in straightforward ways. They employ lawyers who are skilled at attacking the reputation or credibility of victims and their families in the courtroom. Indeed, many accident victims feel they are victimized anew during the legal process, unless they have a lawyer protecting them and their reputation.
Call Today To Start Your Case
To learn more about Mark A. Di Carlo‘s services and how he can help you or your loved ones after an accident, call or arrange an appointment online. Initial consultations are always free.