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How Insurance Companies Work To Deny Your Claim

When we first sign that policy agreement, it’s nice to think that the insurance company is on our side. Afterall, you pay your monthly premiums, and you expect the support and protection that comes along with that commitment. However, this isn’t really the case, and it’s important to know that insurance is first and foremost a business. Like any business, insurance companies are out to make a profit, and the way they do this is by collecting your premiums without needing to return them in the form of a settlement or payout.

When a Florida motorist is caught up in a vehicle accident, their one comfort thought might be that their insurance company will be there to help them to get over the whole ordeal. They’ll be able to account for medical costs, pay for vehicle repairs, and take care of those lost wages while you’re stuck recovering. The reality of the situation is often more difficult, and insurance companies may work to deny your claim to avoid paying for your damages in full or at all. Some of the tricks insurance companies use to deny or minimize your claim are:

• Trying to reach a settlement without a lawyer – Insurance companies know that with a vehicle accident attorney on your side, you’re going to know all of the ins and outs of the law and what damages you’re entitled to. For this reason, claims adjusters may push you to settle quickly or tell you that an attorney isn’t necessary at all. It’s important to not listen to these claims and to remember that having an attorney working for you is always in your best interest. Without an attorney present, insurance companies are far more likely to minimize or deny your claims.

• Recording your conversations – Insurance companies may use anything you say against you, and this includes things said in common conversation. When an insurance adjuster records your conversation, asks how you are, and you respond with “fine”, this very simple conversational tactic could be used against you. By saying “fine”, despite it being a common short response to get the conversational ball rolling, they could frame it in the context of not being as injured as you claim you are.

• Delaying your claims – Delaying claims is another way insurance adjusters work to minimize your settlement. When you’re out of work, and medical bills are stacking up without the income you need to pay them off, they know the pressure is on for the average Florida motorist. Using this pressure, you could “crack” and settle for a lesser amount immediately in order to relieve just some of this financial tension.

• Carrying out surveillance – Your daily activities, your return to work, and your social media activity might be under surveillance by your insurance company in order to minimize or deny your claims altogether. For instance, if you have been in a recent accident and you post photos of yourself at a concert on social media, the insurance adjuster might use those very photos as “proof” that your injuries are minor or nonexistent. After an accident, it’s always best to steer clear of social media as a whole until your settlement has been paid.

When you’re battling with insurance companies for the vehicle accident settlement you deserve, it’s invaluable to have a Florida personal injury attorney on your side. They’ll assist you with working through the insurance claims process and ensure you get the settlement you deserve to recover from your injuries. If you’ve been in an accident recently, and you’re looking for the legal support you need to get the settlement you deserve, contact us at today.

Stephen M. Fernandez developed a strong belief in justice and fairness in public policy while earning his Political Science degree prior to attending law school. Since joining the Florida Bar Association in 2004, Stephen Fernandez has combined his background in public policy, business administration and civil law to serve as a highly effective trial lawyer fighting for Florida's injured, working hard every day to make sure his clients get what they are owed.

How Insurance Companies Work To Deny Your Claim

Goldman Babboni Fernandez
Murphy & Walsh

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