A sizable number of insurance companies often try to cheat their customers and force them to pay even more money for less coverage. Big surprise, isn’t it? You’d think that the insurance company that you’ve been faithfully paying your premiums to every month for years would have your back when the time comes for the payout, right? Sadly this is not always the case.
Admittedly, this does not happen in all insurance firms. However, it is happening frequently enough on certain insurance policies that people need to know what’s going on. The reality is that insurance adjusters are typically there to help the insurance companies pay the absolute minimum on all insurance payouts and get maximum profits from their clients.
As a result, it is not surprising that many insurance companies will do everything to pay you far less than you deserve; that is if they even pay at all. So, if you are currently dealing with an insurance company or about to deal with one, you need to be sure that they are not cheating you.
Placing You on Hold for Long Periods When You Ask for a Specific Adjuster
If you typically call your insurance policy provider to clarify a few things and get the adjuster, then filed a claim only to find that the adjuster is not reachable, know that you are about to be taken for a ride. This usually happens when there is a significant sum of money at stake.
Most insurance companies have no problems paying small claims. The large ones are where the problem is. Some policy providers will try to do everything to frustrate you into giving up. Don’t. Instead, get legal counsel. Nothing gets them off their behinds faster than having an actual lawyer file your claims or issue them a summons.
Transfer Your Calls to Different people While Claiming Ignorance of any Evidence of Your Case
Admittedly, some insurance providers typically hire more than one insurance adjuster. The thing, however, is that there will always be an evidence of your filing your request for compensation. If you keep getting transferred to different people who seem unfamiliar with your case, it is possible that the firm is employing a ploy to keep you running around in circles until you give up out of frustration. It is one of the oldest plays in the book because it works on most cases.
Trying to Intimidate You
When an insurance agent or adjuster tries to browbeat you into working only with them, then you need to be worried. Insurance agents or adjusters who tell you that you will not get any compensation if you hire a lawyer definitely have something to hide.
This is because they know that without representation that knows the business, they can easily take advantage of you and underpay you. With a lawyer, however, they know that their chances of cheating you are basically nonexistent. So, never work alone with a policy provider who vaguely or directly warns you to steer clear of lawyers when you want to file a claim.
Deny or Delay Your Claims
If your insurance provider denies or delays your claims without any tenable reasons or justifications, then you need to get worried. It means they are trying to avoid paying your settlement. If there will be a delay, there has to be a justifiable reason for their delay. Most times, they’ll use a vague template or canned response. If that happens, Google their response, and see if people have similar complaints; if there are many similar search results, it means you are about to be taken for a ride.
Some other tricks you’ll find include the failure to acknowledge receipt of a justified or legitimate claim, asking you to provide entirely unnecessary documentation, trying to pressure you into settling for a far lower amount that you’re entitled to, and cancelling your policy without any violations on your part.
If you notice one or more of these signs or suspect foul play, you may need to get a lawyer to file your claims and help you get the maximum returns possible if you have already filed the claims.
About the author:
Oscar King is an Orlando resident who has heard a number of stories of shady insurance practices, and seeks to expose these practices where possible. When he or one of his friends gets fed up with these practices he goes to Heil-Law.com. You can learn more about Oscar on Google+.