Internal history on auto accident, workers’ compensation and other insurance claims

So here’s the scoop regarding your car, workers’ compensation, disability, or any policy that includes accident coverage.

Insurance companies, if you don’t realize it, are unwilling to lose money. In fact, the real agenda behind business is making money in the form of profit. Now, because related studies demonstrate the presence of significant insurance fraud, something that equates to around $ 30 million in losses to the industry being passed on as well as to customers, insurance providers generally choose to do both as legally permitted to thwart false claims related to liability.

To that end, the industry invests heavily in various means that monitor a claimant’s activities in order 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 injury cited, as a preventative measure, anyone is a suspect.

After submitting a claim, your insurance company can do one or more of the following:

• Search your social media accounts for any reference to your accident

• Examine your medical records for inconsistencies

• Interview witnesses to the accident

• Talk to your employer to hear 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 attentive to any conflicting evidence. For example, if you say your leg has been broken and investigators contact your tweet about running in your children’s school sponsored picnic race that features you winning the gold star after crossing the finish line first , you will definitely find yourself 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 claim information online for 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 industry’s leading underwriters.