Insurance Company Tricks To Pay You Less After A Crash

Most of the time, when people talk about going to court for a lawsuit, the common perception is that an individual is being sued, such as a negligent driver or careless homeowner that left a gun somewhere where children could play with it and get injured. Sometimes it’s a company that is sued, like the manufacturer of a vehicle with a defect, or a business that manages the property, such as a hotel, or shopping mall, where someone got injured as a result of not maintaining the environment properly.

However, in some instances, when people go to court to resolve a dispute, it’s not always because an outside party has wronged them. Sometimes the offense comes from the most unexpected quarter, the company that is supposed to protect you, your insurance company.

Playing The Numbers

In theory, the reason everyone gets insurance—when not legally required, as is the case with car insurance—is for peace of mind. You take out a policy for life insurance, flood insurance, or even final expense insurance for burial purposes, with the intent that should anything happen, the money will be released to the people you specific as beneficiaries. In some cases, you may be the beneficiary if this health insurance designed to provide coverage for medical treatment.

As with any business, insurance companies operate pursuing a goal of profitability. They are not going to liberally pay out insurance policies for every single person that puts in a claim because that would quickly drive them out of business. However, some laws determine when an insurance company can and can’t legally deny a claim. Your claim may be denied for some of these reasons.


Insurances can be fooled, and many people attempt it regularly every year. There are cases of unscrupulous people faking injuries to get insurance settlements and, in the most extreme circumstances, people that have killed others—or even faked their own death—in an attempt to collect life insurance.

While you may have been legitimately injured, the insurance company you are with will likely conduct their investigation to confirm the truth of your situation. If they don’t find sufficient evidence that satisfies their investigators, they may decide your claim is invalid, or dishonest, and refuse to validate it by calling it a fraudulent claim.


There can be a question of who is being dishonest, the person paying for the insurance, or the insurance company itself. Insurance companies routinely try to make small, negligible objections to see if they can get away with it and not have to honor a policy. For example, someone takes out a life insurance policy and claims on the application documents they have quit cigarettes and are not a smoker.

However, at a bar, the same person, in a social situation, smokes one cigarette. The same person then gets into a fatal car accident and the medical examination afterward reveals nicotine in the body and other evidence of smoking. The insurers may claim that this was deceptive on the part of the policyholder, and thus no payout is required.

The Amount Involved Should Be Lower

In some cases, the insurance company will agree to honor the policy, but not to the full extent, instead of providing a far lower settlement than expected. It’s not unusual for policyholders to be caught off guard by this, but accept the amount for fear of not getting anything back at all.

If this happens to you, you don’t have to accept a denied claim or a lower amount. Talk to an experienced personal injury attorney about your insurance difficulties. You may find that with a lawyer on your side, and a case is going to court, your insurance company will be less reluctant to honor your claim.


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