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How Insurers Underpay Claims

When Insurance Companies Challenge Your Claim

The idea behind auto insurance agreements is simple: You pay a monthly fee and, in the event of an accident, your insurer will cover the costs for medical care, property damage and related expenses. Unfortunately, this is rarely how things work out. Insurance companies use a range of strategies to pay out as little as possible to their customers. They will offer settlements that may seem generous at first, but which fail to provide funding for ongoing medical care. They will challenge one’s claims and, whenever possible, deny them outright. Many personal injury victims find themselves cheated of their rightful compensation, and are unsure of how to seek justice. We can help. At Kyle Law Firm, our attorneys know insurers underpay claims, and we are ready to fight back. Based in New Braunfels, and serving throughout the region, we have earned a reputation for obtaining successful results both inside and outside of the courtroom. If you or a loved one has been in an auto accident, you can count on us to hold your insurer to account, and pursue maximum compensation on your behalf.

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The Tactics Used By Insurers

The following are among the most common tactics insurers use to pay out the minimum amount (or nothing at all) to their claimants:
  • The allure of quick cash — After an accident, representatives from your insurance company may be quick to arrive on the scene. Likewise, they may visit you or a loved one in the hospital. In many cases, they will offer to write a check immediately, noting that this will help with the costs associated with medical coverage. What they don’t detail is this will likely be the last check that may constitute the entirety of your settlement, and will probably be insufficient to address your ongoing medical needs.
  • Social media monitoring — Likewise, it is common for insurers to monitor the social media activity of auto accident victims. They are looking, of course, for pictures that claimants may post of themselves looking happy and healthy. If, for example, someone stands from their wheelchair momentarily to pose for a family photo, they will then use these as evidence to demonstrate that one’s injuries aren’t so severe as victims claim them to be. It is important for individuals involved in insurance disputes to be wary of the images they post online.
  • Private investigators — In certain situations, an insurance company will hire a private investigator to follow an injury victim. As with monitoring one’s social media activity, the private investigator will be on the lookout for anything that might call into question the severity of one’s injuries. With a camera ready, the investigator will try and capture the victim lifting heavy packages, or moving without assistance from their car to their house, or undertaking any other seemingly strenuous activities.
  • Keeping tabs on one’s medical coverage — It is also typical for insurers to monitor accident victims’ medical care. If an individual misses an appointment, or deviates in any way from the recovery regimens set out by their doctors, the insurance company will use this as evidence that one’s injuries do not merit maximum compensation.
These are just a few of the strategies that insurers employ to underpay claims. They have many more up their sleeve. With this in mind, it is important for auto accident victims to work closely with a lawyer who knows how to protect them at every step.

The Assistance You Need

To learn more, reach out to our firm. You can call us at 830-620-9402 or reach us online. Initial consultations are free, so we can assess your case and inform you how best to proceed before you’re obliged to retain us.

What Our Happy Customers Are Saying

Julie B.
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TRULY treat us as though we are family! We have not EVER felt it was for a $ Issue either but rather more, for “FAMILY!” Yes, from the moment we walked in their door, this firm made us feel like we were part of “THEIR FAMILY!” This too, is how they worked for us! Throughout EVERY process, we had “sit down table meetings” to keep us informed ALWAYS! We were kept “in the loop” and if ever we had a question, someone was “ALWAYS THERE TO ANSWER A CONCERN!”  We have COMPLETE FAITH and CONFIDENCE that this firm would do whatever they could to help us! THANK YOU, Matt, Britney, Sarah, & Scott 😁
Danielle M.
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The Matt Kyle Law Firm is the best! They were professional and understanding in every single email, meeting and phone call. I have never used an attorney before and they made every step easy and painless. Even though my personal injury case lasted over a year, they constantly keep me informed and up to date. Not to mention their fees and contract beat all the other law offices in the area. I would recommend Matt Kyle Law firm to anyone in need of their services. I would give 10 stars if I could! Big thank you to Britany and Diveli for being all-star case managers!!
Yvette M.
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The Kyle Law firm was wonderful!  They helped us when our daughter was in an accident, because a drunk driver pulled out in front of her.The Kyle Law firm worked hard to take care of us and make sure Our daughter got the care she needed, and a fair settlement to replace her vehicle.  They are from here, and work here to help others in our community.  Highly Recommend them if you need legal assistance.
Errolyn C.
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The Kyle Law Firm demonstrated  professionalism from beginning to end. Britney and Scott take charge attitudes was certainly what I was looking for in representation. They kept me up to date on changes and clearly explained the process and kept me abreast. I am satisfied with the results. If you are seeking results do not hesitate to give this group a call. Thank you!
Noe M.
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Everyone at Kyle Law Firm was professional and helpful throughout the entire lawsuit process. Our attorney, Scott, gave us consistent and thorough guidance and advice throughout the process. Diveli was always quick to respond and helpful with all questions and issues. We highly recommend Kyle Law Firm!
Laura H.
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Professional service provided by a friendly staff. The law firm is straight forward and helpful. Everyone we dealt with were honest and helped us through a difficult process!

What Our Happy Customers Are Saying

Julie B.
Read More
TRULY treat us as though we are family! We have not EVER felt it was for a $ Issue either but rather more, for “FAMILY!” Yes, from the moment we walked in their door, this firm made us feel like we were part of “THEIR FAMILY!” This too, is how they worked for us! Throughout EVERY process, we had “sit down table meetings” to keep us informed ALWAYS! We were kept “in the loop” and if ever we had a question, someone was “ALWAYS THERE TO ANSWER A CONCERN!”  We have COMPLETE FAITH and CONFIDENCE that this firm would do whatever they could to help us! THANK YOU, Matt, Britney, Sarah, & Scott 😁
Danielle M.
Read More
The Matt Kyle Law Firm is the best! They were professional and understanding in every single email, meeting and phone call. I have never used an attorney before and they made every step easy and painless. Even though my personal injury case lasted over a year, they constantly keep me informed and up to date. Not to mention their fees and contract beat all the other law offices in the area. I would recommend Matt Kyle Law firm to anyone in need of their services. I would give 10 stars if I could! Big thank you to Britany and Diveli for being all-star case managers!!
Yvette M.
Read More
The Kyle Law firm was wonderful!  They helped us when our daughter was in an accident, because a drunk driver pulled out in front of her.The Kyle Law firm worked hard to take care of us and make sure Our daughter got the care she needed, and a fair settlement to replace her vehicle.  They are from here, and work here to help others in our community.  Highly Recommend them if you need legal assistance.
Errolyn C.
Read More
The Kyle Law Firm demonstrated  professionalism from beginning to end. Britney and Scott take charge attitudes was certainly what I was looking for in representation. They kept me up to date on changes and clearly explained the process and kept me abreast. I am satisfied with the results. If you are seeking results do not hesitate to give this group a call. Thank you!
Noe M.
Read More
Everyone at Kyle Law Firm was professional and helpful throughout the entire lawsuit process. Our attorney, Scott, gave us consistent and thorough guidance and advice throughout the process. Diveli was always quick to respond and helpful with all questions and issues. We highly recommend Kyle Law Firm!
Laura H.
Read More
Professional service provided by a friendly staff. The law firm is straight forward and helpful. Everyone we dealt with were honest and helped us through a difficult process!
Case Results

$6.4 Million

18-wheeler fatality
Net to clients: $4.9 Million
Expenses: $25,000
Attorney fees: $1.475 Million

$1.45 Million

18-wheeler fatality
Net to clients: $642,000
Expenses: $223,000
Attorney fees: $580,000

$1.015 Million

Commercial, intoxicated driver — injury case
Net to clients: $615,400
Expenses: $9,000
Attorney fees: $399,600

$1.2 Million

Motorcycle/commercial vehicle fatality
Net to clients: $565,000
Expenses: $5,200
Attorney fees: $400,000
Contact Our Firm Now

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Contact Our Firm Now

At a Free Consultation You Will Find Out:

Get Free Consultation 24/7

High-touch, personalized legal representation.

Fill Out the Form to Get a Free Consultation

Fields marked with an * are required