Insurance companies are in the business of making money, and one of the ways they do this is by minimizing or denying workers’ compensation claims. If you’ve been injured on the job, the last thing you want to deal with is an insurance company trying to avoid paying for your medical treatment and lost wages.
This article will reveal some of the tactics insurance companies use to deny claims and explain what you can do to fight back. From hiring an experienced attorney to collecting the right evidence, we’ll cover everything you need to know to protect your rights and secure the compensation you’re entitled to.
Common Tactics Insurance Companies Use to Deny Workers’ Compensation Claims
Insurance companies use a variety of tactics to deny claims or reduce the amount they have to pay. Here are some of the most common strategies:
One of the most common tactics is to dispute the severity of your injury. Insurance companies may argue that your injury is not as severe as you claim, or that it doesn’t require the level of medical treatment you’re receiving. They might use their own medical experts to downplay the seriousness of your condition.
Insurance companies often delay the claims process in the hopes that you’ll give up or accept a lower settlement. They may request additional medical records, schedule independent medical exams, or claim they need more time to investigate the injury.
Another tactic is to argue that your injury didn’t happen at work or was the result of a pre-existing condition. They may claim that your injury occurred outside of work hours or was caused by something unrelated to your job duties.
Insurance companies may hire private investigators to conduct surveillance on injured workers. If they catch you doing any physical activity, even something as simple as walking, they may argue that you’re not as injured as you claim.
How to Fight Back Against Insurance Company Tactics
Fighting back against insurance companies requires a combination of legal expertise and careful documentation. Here’s what you can do to protect your claim:
Having an attorney on your side is the best way to fight back against insurance companies. A skilled attorney will know how to counter the insurance company’s tactics and ensure that your claim is handled properly. They can also represent you in hearings or negotiations, giving you the best chance of securing the benefits you deserve.
Medical evidence is the backbone of any workers’ compensation claim. Make sure to see a doctor as soon as possible after your injury and keep detailed records of all your medical treatment. If your claim is denied, having strong medical evidence will be crucial in proving your case.
Keep a record of everything related to your claim, including emails, letters, medical bills, and any communication with the insurance company. This documentation can be used as evidence if the insurance company disputes your claim or denies your benefits.
Insurance companies may offer you a low settlement to avoid paying the full value of your claim. Don’t accept any settlement offer without consulting with your attorney first. Your attorney can help you determine if the settlement is fair and negotiate for a higher amount if necessary.
Client Takeaway: Protect Yourself from Insurance Company Tactics
If you’re facing a workers’ compensation claim denial or delay, it’s essential to know that the insurance company’s tactics are designed to minimize their payout. By hiring an experienced attorney and gathering the right evidence, you can fight back and ensure that your claim is handled fairly.
At Ironclad Injury Law, we know how insurance companies operate, and we have a proven track record of fighting for injured workers. Contact us today for a free consultation and let us help you get the benefits you deserve.
