Tricky Insurance Companies

I know many people have become frustrated with the insurance company’s tactics that let them down when it comes time to make a claim. Here I would like to discuss some tactics which you should be aware of;

1. Deliberate delay. They know that often you are in a financial squeeze. Even if you have good health insurance, the fact that you aren't working may make it difficult to pay co-pays and deductibles. The insurance company knows you are getting dunned by the doctors, so they take their time with your claim
2. Requesting Unnecessary Information. Insurance companies will insist that you track down every little piece of information before "we can evaluate the claim.” Even if the information they are now asking for would not add a penny to their offer, they are happy to wait another six weeks for you to track it down. Meanwhile, they are earning interest on the money they are NOT paying you.
3. Disputing Medical Treatment. Even though I've never met an adjuster who went to medical school, they seem to know just what treatment is right for you! Usually, they "know” that you were over treated because "our computers say you should have been better by now."
4. Nickel and Dime the Medical Charges. Think about it. If they shave just 5% off your claim and can do that to the millions of claims made each year, they get richer.
5. Misrepresenting Insurance Benefits. This is a big one. They tell you that there's only $100,000 in coverage. We file suit and "magically” find an umbrella policy! Don't you think they knew that just by looking on their computers before we filed suit? Of course, they did.
6. Acting like Your Friend and Making False Promises. Watch out for the adjuster who befriends you, shows up at your house and promises to pay your future medical bills. This is a tactic to stop you from hiring a lawyer. (Believe me; they won't come around to your house once you have a lawyer.) Those future medical bills? Well, they'll pay them until their computer says "too much, too much, this claim is costing us too much."

Don’t be anxious. Solomon Neuhardt and Neuhardt Law Firm can help you. Call us for FREE Consultation at (406) 294-9540 or email at solomon@neuhardtlaw.com