Inside history on auto insurance claims, workers compensation and other accidents
So here’s the scoop on your auto, workers’ compensation, disability, or any policy that includes accident coverage.
Insurance companies, if you don’t realize it, are not willing to lose money. In fact, the real agenda behind being in business is to make money in the form of profit. Now, because related studies demonstrate the presence of significant insurance fraud, amounting to some $30 million in losses to the industry being passed on as well as to customers, insurance providers are generally choosing for doing everything that is legally possible. allowed to owe false claims related to liability.
To that end, the industry invests heavily in various outlets that monitor a claimant’s activities to verify the accuracy and validity of an injury call. Although the vast majority of those who file a related claim honestly suffer from the cited injury, as a preventative course, anyone is subject to suspicion.
After you file a claim, your insurance company may do one or more of the following:
• Search your social media accounts for any reference to your accident
• Examine your medical records to see if there are any inconsistencies
• Interview witnesses to the accident
• Talk to your employer to get their opinion about your work activities and how it relates to your injury
• Hire professional investigators to spy on you and collect any evidence that indicates you are lying.
Insurance sources will be on the lookout for any conflicting evidence. For example, if you say you’ve broken your leg and the researchers check out your tweet about running in your kids’ school-sponsored picnic race where you win the gold star after crossing the finish line first, you’re definitely you will find in Real hot water!
Of course, for the honest claimant, there should be nothing to fear regarding ongoing insurance inquiries. However, it is important to follow the guidelines listed below:
1. Be as accurate as possible when describing your injuries on the claim, as well as when describing them to family or friends.
2. Do not post claims information online in public view
3. Follow your doctor’s instructions regarding limited physical activity
For more information on auto injury and workers’ compensation claims, contact a qualified and experienced independent insurance agent who deals with many of the leading insurers in the industry.