IS MY CLAIM AT RISK OF BEING DENIED?
Just give the adjuster one excuse. Any excuse. Any excuse that works and he or she will in the blink of an eye deny your accident or work injury claim. You may wonder why this is and you might actually doubt what I am saying. You have that right. It does not make you right or me wrong, but that is your right.
WHY DO THEY DENY CLAIMS?
Insurance companies are corporations. Corporations exist to make a profit. Your claim is a liability and liabilities subtract, not add, to the bottom line. Which means if the adjuster can deny your claim then he or she adds to the insurance companies bottom line.
Premiums come in, paid claims go out.
JUST GIVE ME ONE EXCUSE
The adjuster doesn’t need two reasons to deny a claim. Just one. Give them one that is legal and they can and will deny your claim. Denying claims is not about writing the encyclopedia of the law of insurance. One simple misstatement and your claim will get denied.
And here is the part of this you will find hard to believe. Most of the claims being denied have little to do with the actual facts. The problem is not with the facts, but how the facts were reported when the claim was filed. Mistakes are made all the time.
WHAT IS THIS ABOUT?
An accident claim is made up of two parts. The first is liability and the second relates to damages. Liability is about what the other person did wrong. Damages are about what is wrong with you, how you were hurt and what it costs to get you back to square-one.
IN CAR-TRUCK-MOTORCYCLE ACCIDENTS, LIABILITY IS ABOUT THE RULES OF THE ROAD
Who did what, when, how and why? People who do not understand the “rules of the road” approach do not understand how straight forward it is when giving a recorded statement. This is the place where the first mistakes are made. Before we, your lawyers, allow our clients to give a recorded statement, we review the facts, the law and the issues that make your claim legitimate and one that will not be denied.
If we can help you with your case, call us, sit for an appointment and let’s see if you want to hire us and we want to be hired. We don’t always want the case. Some clients and cases just aren’t the right fit. But, if yours is, we are here to help. So call now.
ADDITIONAL BLOGS YOU SHOULD READ
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