Tricks from your insurance companies, lawyers and lawsuits

Often, insurance companies look to take advantage of an unknowing claimant before that person has had the chance to retain advice from a lawyer. Some companies even indulge you to deal with them prior to talking to an attorney. These companies use fear, charging a lawyer’s ability to drain money that the insurance company wants to give to you.

On the contrary, you might not even need an attorney for your case, but, without understanding the system, you will never know if a lawyer is right for your case or not.

The goal of the insurance adjuster is not to get you to take your money and pay your insurance company, but to finish your claim quickly and release all of your claims.

Among the other techniques an insurance company will practice to get your file finished and sweep your claim under the rug include:

1. Delay, delay, delay. Many companies know that those in an accident are in a desperate situation. After an accident, your health insurance may rise and you may be out of a job, and insurance companies may do their best to sweat you out of your claim.
2. Requesting unnecessary information. Many insurance companies wish to stretch out the process by asking that you provide them with minor details that will have no effect on your claim or your payment. This other kind of delay will allow them to hold onto any money that they might have to pay you for as long as possible.
3. Questioning medical treatment. Many companies, devoid of medical experience and knowledge, will offer ridiculous claims about your medical status, and attempt to pain you as a liar or a faker, saying that you ought to have gotten better.
4. Shortchanging medical charges. If an insurance company can relieve themselves of a small percentage of your medical charges, even 5%, they could save themselves millions of dollars every year, and cost you valuable assets.
5. Misrepresentation of your benefits. Another way to save money, that will not be found out unless you file suit against an insurance company, is by misrepresenting your insurance coverage. Omitting mention of certain policies will keep the company from paying you the money that you are entitled to.
6. Friendly false promises. These promises can be in the form of many different promises to pay and cater to your claim, but once a lawyer appears on your side, all claims and attempts at friendliness may quickly disappear.

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