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 fail to provide funding for ongoing medical care. They will challenge your claims and, whenever possible, deny them outright. Many personal injury victims find themselves cheated of their rightful compensation and are unsure about how to seek justice.
We can help. At Kyle Law Firm, our attorneys know that insurers underpay claims, and we are ready to fight back. Based in New Braunfels and serving clients throughout the region, our lawyers 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 responsible and pursue maximum compensation on your behalf.
The Tactics Used By Insurers
Insurance companies want to settle claims as quickly, and as cheaply, as possible. They often take advantage of accident victims who don’t know what they are entitled to. When you work with us, we will speak to insurance companies on your behalf and get you the compensation you deserve.
The following are among the most common tactics that 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 tell you is that this will likely be the last check, that it may constitute the entirety of your settlement and that it 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 searching, 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, then they will then use that as evidence to demonstrate that one’s injuries aren’t as 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, 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, then 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 sleeves. With this in mind, it is important for auto accident victims to work closely with lawyers who know how to protect them at every step.
We Won’t Let Insurance Companies Take Advantage Of You
To learn more, reach out to us. You can call us at 830-620-9402 or contact us online. Initial consultations are free so that we can assess your case and inform you of how best to proceed before you’re obliged to retain us.