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.
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
Initial consultations are free, so we can assess your case and inform you how best to proceed before you’re obliged to retain us.