Why the insurance company is suspicious of your claim

When you pursue a worker’s compensation claim you may begin to feel like both your Employer and the insurance company are questioning whether you were really hurt or the seriousness of your injury.  We have some clients who say the questioning led them to believe the company or the insurance adjustor did not believe them and they became nervous about this.  The insurance industry is geared toward suspicion.  They question everything.  And the adjustors can be masters of confusion.

Be careful when you speak to an insurance company adjustor without legal advice.  Especially if you are giving a recorded statement. Before long, you may say something unintentional which provides the insurance company the basis for denying your claim in full or in part.  It may be something you have no idea is significant, and it may be a result of you not fully understanding what has been asked. But it is there forever, in black and white, and the insurance defense attorney will use your words against you at the Hearing to determine your claim.  The adjustor will ask you questions which are designed to elicit a certain response and they are hoping you will respond in a certain way.

It is a principal of human tendency that we all want to help someone when being asked information.  But keep in mind, this is not a friendly conversation. The adjustor will usually be polite and kind, but the intent is get something useful to deny the claim or limit liability.  You need good legal advice before you consider talking to an insurance company about the accident and your injury.  The reason everyone seems suspicious is that it is in their interest to be such. If you cannot be believed, it saves them money.  You may be perfectly honest about all questions, but made to feel as though you are hiding something or have left something out.  Don’t feel like you have to go this alone.

Get good legal advice from a Charlotte workers compensation lawyer who concentrates in worker’s compensation.   Call us at the number indicated or email us for a initial consultation.  We don’t want you to make a mistake in answering questions and risk having your claim denied or lost. Your ability to earn wages for your family is too important.  Your access to appropriate medical treatment is crucial.