People who request their insurance company for a payout because of an accident are often treated improperly. At the time of linking up with the insurance company, these clients are promised the best service. However, at the time of an accident, insurance companies don’t help their clients at all. Instead, they apply a range of tactics to terminate the claim. The same applies to people who claim long-term disability. The insurers launch complex investigations into the claims of their victims. They may even call the claimant and harass them. Their goal is to cut down the payout amount by any means possible. Any experienced Injury Lawyer in Scarborough will be aware of the clever tactics employed by these insurers. Some of these tactics include -
Hiring Doctors
Instead of paying their clients the money they deserve, many insurance companies prefer to invest in other expenses. Many of them employ their own medical staff to review the claimant’s medical records. They may even force their client to receive a checkup from one of the doctors that they’ve appointed. They also hire medical experts to study your records. These ‘experts’ may not necessarily conduct tests on the claimant. But their expert opinions can be used to deny the applicant's claims of injury or disability. Technically, an accident victim or a disabled person isn’t obliged to answer questions about their medical condition. However, these vulnerable people often get tricked into doing a lot of things that they won’t do if they were under the supervision of an Injury Lawyer in Scarborough.
Creating their Own Definitions
Creating their own definitions of medical concepts and terms is a common trick that most insurers use. One favorite word that these insurers love to complicate is ‘objective evidence.’ They claim that their client doesn’t have objective evidence supporting their injury or disability claim. For instance, there’s no way to objectively prove that a person suffers from depression. Even a condition such as fibromyalgia is hard to objectively prove with MRI or x-ray tests. Still, the insurance company keeps on wrongly insisting that the lack of objective evidence is enough to refuse a disability or injury claim. Beating such half-hearted arguments in court isn’t as simple as it seems. Only an experienced Injury Lawyer in Scarborough can help the jury realize that the insurance companies are acting deceptively.
Independent Doctors
The insurance company may hire their own doctors to conduct medical tests on the claimant. This doctor is legally allowed to review the claimant’s test records, medical reports, etc. However, claimants can refuse independent medical examinations if they want. Both parties have to consent to the medical appointment. These independent doctors cannot visit the claimant any time they want.
Private Investigators
It isn’t uncommon or out of character for insurance agents to hire private investigators to surveil claimants. They want to test whether the claimant is faking the injury. The claimant can team up with an Injury Lawyer in Scarborough to stop these investigations. There’s a fine line between investigation and harassment. Attorneys help claimants ensure that the insurance company doesn’t cross this line. For more information visit Our Website