Insurance Problems With Insurance Claims
It’s an unfortunate occurrence when insurance problems prevent the natural progression of processing a claim that allows you to get back to your life. When insurance agencies sign you up for the policy it’s absolutely imperative that you read the entire policy in order to understand the limitations. However, there are plenty of times when even adhering to the limitation and restrictions that the insurance company doesn’t do the fair and right thing.
In order to maintain their bottom line, insurance adjusters are trained at how to effectively deny or stall claims. This is especially true when the loss causes serious physical damage or consequences to the victim. The adjuster will look at every possible angle to prevent the victim from collecting the full amount that is due to them.
Illegal stall tactics are not uncommon. In fact, most people who have ended up finally receiving a settlement had to prove the legitimacy of their damage for one to three years before the settlement was funded. Illegal tactics are designed to wear you down. Since you’re not a lawyer, they will make the assumption that you do not know the difference between legal and illegal action on their part. You may be given false information, denied timely payment, or in some worker’s compensation cases sent to a physician paid to clear you to return to work.
If you talk to the insurance representative regarding these issues you are likely to be told that these are simply preventative measures that are designed to uncover fraud. The truth of the matter is that while there are fraud preventative requirements put in place, the longer they drag out your claim the more likely you are to bend to their desires and the less likely you will be to find that the law and your policy protects your rights.
Make sure you have accurate documentation of any professional opinions that support your claim. If your doctor makes a statement about an undesirable prognosis, make sure you get it in writing. If your medication is denied because of insurance problems, get your receipt or a statement of denial from the pharmacy.
The more you gather your information the easier it is to maintain your position. For property damage claims to buildings and homes, it is most likely in your best interest to retain an independent appraiser or insurance claim consultant. In most injury related cases, you can find a lawyer that will offer you a delayed retainer, meaning they will receive a percentage of the final award rather than an up front payment.
When you do have to deal with an insurance company representative, keep it short and sweet. Don’t engage in any additional information. Emotional outbursts and friendly chats can help to feed insurance problems and provides the insurance company with a little more leverage.
