Dealing with Insurance Tactics in Boston
Unfortunately, insurance companies are not always forthcoming and fair about paying compensation for accident injuries. Obtaining recoveries that adequately cover damages frequently requires strong advocacy from an experienced lawyer. The Law Firm of Jonathan D. Light, P.C. has more than 35 years of experience dealing with insurance companies on behalf of clients.
Insurance tactics to reduce or deny compensation
Whether you suffered injury and file a claim with your own insurance company or filed a claim against a negligent party that caused your auto accident, you should know about the strategies insurance companies use. The last thing an insurance company wants is for you to obtain an experienced car accident attorney.
Company practices to avoid paying compensation often include:
- Claim denial. Companies often deny claims as a matter of practice and only pay when a policy holder or claimant persists after an initial denial.
- Lowball settlement offers. Injury victims may be under financial stress because of medical bills and lost wages. Insurance companies take advantage of this situation to persuade victims to settle quickly and sign a release of claim. The problem with quick settlements are twofold: the insurance company always makes a very low first offer and generally the offer is insufficient to cover injury expenses. Until you know the extent of your injury, whether you will need further treatment or surgery and whether disability is permanent, it is very unwise to accept a settlement offer. It takes time for a patient to reach maximum medical improvement (MMI), which means the doctor does not expect further treatment to improve the condition.
- Recorded statements. An adjuster who wants to record your statement hopes you say something that the insurance company can use in its favor.
- Medical records request. The purpose for requesting your medical records is to find information and claim your injury did not result from the accident, or claim you had a pre-existing condition or that the injury is not severe.
- Video surveillance. The company may send a private investigator to video tape you doing chores or recreational activities, such as lifting, playing sports, mowing the grass or doing anything that portrays your injury as non-existent or minor.
Jonathan Light knows the tactics insurance companies use along with bad faith actions that violate Massachusetts law.
Contact a qualified accident attorney with 35 years experience, proven ability, integrity and dedication
Call 617-245-0220 or contact the Law Firm of Jonathan D. Light, P.C. online to schedule your free initial consultation.