Every day we see commercials from the big name insurance companies claiming to be “on your side” “here to help”, etc. It’s frustrating to see. Of course, insurance companies do pay out some claims, but they continue to exist for one the reason that every other private company does. That’s to make money. If we get in a car wreck or wind up in the hospital unexpectedly, insurance may help us out in a pinch. But that’s not always the case. Sometimes insurance companies are difficult to deal with on purpose. They will try everything they can to not pay out on settlements. I learned about some of this on the Law Offices of Seaton & Bates, PLLC website. The lawyers at Seaton & Bates work on personal injury claims. That means they help people get insurance settlements after a car wreck, or if they were injured in a hospital, or at work. They know about the tricky tactics insurance companies will pull to get out of a settlement.
If you end up getting hurt in an accident that involved three or more cars, insurance companies will do their best to give you the runaround and be difficult so that you try to file a claim through another person’s insurance instead of theirs. Many insurance companies will peruse through your social media pages you to try and find any information that might give them a reason to deny your claim. This last one upsets me the most. Sometimes insurance companies will hire a private investigator to follow you around, videotape you in secret and take pictures of you that make it look like you’re not as hurt as you claim to be. If all of this doesn’t produce any good evidence, they might try to dissuade you from hiring a lawyer. If you decide not to hire a lawyer, the statistics are not in your favor. Typically, people without a lawyer end up receiving three times less than what they would otherwise. Insurance companies have resources to play hardball in court. They’ll bring in testimonies from expert witnesses to make a case that your injuries were not severe. This is deeply troubling to me. Insurance companies spend a great deal of money marketing themselves as a helpful resource but their true colors begin to show when they involve themselves in these shady tactics.
When these providers deny those in need of help, it could cause a series of events that leaves them in debt for years to come. When insurance companies begin these tactics, giving people the runaround and being difficult, it causes stress and makes it harder to recover from the injuries in the first place. It’s hard to return to a normal life when you’re in the hospital wondering how you’re going to pay for the medical expenses.