Three Tactics Insurance Companies Use To Undermine Your Personal Injury Claim
After a serious accident, you’re probably relying on your insurance claim to help you support your family and pay your medical bills until you can return to work. Unfortunately, even if you are clearly entitled to an insurance settlement, it’s possible that your insurance company will find a reason to deny your claim.
Insurance companies are intent on limiting their payouts as much as possible, which means they will do everything they can to find a reason to get out of giving you the compensation you need and deserve. Discover some of the top ways an insurance company will try to undercut your injury claim after you’ve been hurt in a major accident.
Blaming You for Your Accident
Depending on the type of accident you’ve suffered and the state in which you live, a determining factor in receiving your insurance claim will be who was at fault in the accident. Even if the fault is clear in your accident, the insurance company may still try to claim you were partly responsible for your injury in an effort to limit or deny your claim.
When dealing with your insurance company, it’s important that you concretely prove that you were not at fault in your case, as this will help to prevent them denying your claim so that you can get the compensation you need.
Insisting on More Evidence
Before an insurance company approves a claim, they generally will examine all of the evidence related to your case, and in an effort to reject your claim, it’s possible the insurer will say that you have not provided them with sufficient proof of your accident and injury.
Lack of evidence is one of the most common tactics that insurance companies use to deny rightful injury claims, which means you need to be sure your evidence is plentiful when filing your claim. Items like police reports, medical records, and witness accounts can help you prove your case and eliminate the possibility of a rejection.
Denying Your Medical Condition
Lastly, most insurers will want proof of your medical condition before giving you your compensation, and may even request that you undergo an examination from one of their doctors. The danger is that the insurance company doctor will minimize the extent of your injuries so that the insurer will not have to pay as large of a payout.
If the insurance company insists on a medical examination, then you need to be sure that the doctor who performs the exam is independent of the insurer. This will make sure that the results of your exam are fair and that your claim will be preserved.
Get Help with Your Injury Claim
Because insurance companies are so large, they often have legal teams at their disposal to help them fight claims and limit their payments, which means you need a legal professional in your corner. To get help fighting for your injury claim, you should work with the knowledgeable personal injury attorneys at The Law Offices of Peter N. Davis and Associates, LLP.
We have experience dealing with the dirty tactics of insurance companies and we can help you get the compensation you need.
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I had a very positive experience with the Law Offices of Peter N. Davis & Associates. Nick Barrone handled my case, and I couldn’t be happier with the level of service I received. After my auto accident in Jersey City, NJ, I was dealing with ongoing back and neck pain and wasn’t sure what to expect from the legal process. Nick was professional, attentive, and always made sure I understood each step along the way. He took the time to answer my questions and genuinely cared about my situation. I felt supported throughout the entire process, which made a stressful situation much easier to handle. The firm worked diligently on my behalf and kept me informed the whole time. I truly appreciate their dedication and effort in helping me through this difficult experience. I highly recommend them to anyone in need of a reliable and compassionate attorney.
I highly recommend Peter Davis & Associates. In particular, Mr. David Ventoso, Esq. did an excellent job helping and assisting me. Mr. Ventoso was knowledgeable, professional and responsive.
All the staff members at the firm took the time to explain every detail and step of the process; they answered all my questions and were always kind. Special thanks to Ms. Carolyn for doing an amazing job.
If you're looking for an attorney in NJ who is trustworthy and really cares, Peter Davis & Associates is an excellent choice.
Unfortunately, our experience with this law firm was extremely disappointing and very different from the impression we initially had after seeing so many positive Google reviews and such a high rating.
We contacted this firm because my wife was involved in a car accident, and we were hoping to find a reliable, professional, and compassionate legal team that could guide us during a very stressful and difficult situation. We completely understand that not every law firm can accept every case, and we would have respected a decision not to represent us. The problem was not simply that the case was not taken — it was the way the entire situation was handled.
My wife spoke with a legal assistant named Ms. España, and the conversation left her feeling scared, uncomfortable, and even more distressed than she already was because of the accident. In our experience, the communication was unnecessarily harsh, aggressive, and lacking empathy. Instead of calmly explaining why the firm could not proceed, giving professional guidance, or suggesting possible next steps, the conversation made my wife feel as though she had done something seriously wrong.
At one point, the way certain issues were presented made her feel almost as if she felt treated in a very bad way Whether that was the intention or not, that is how the conversation came across to her, and I believe professionals working with accident victims should be very careful about how they communicate serious legal concerns.
People contacting a personal injury law firm are often already dealing with physical injuries, emotional stress, financial uncertainty, insurance problems, transportation issues, and fear about what will happen next. A legal assistant is often one of the first people a potential client speaks with, and that person should understand how important professionalism, patience, empathy, and respectful communication are.
What made this experience even worse is that we were specifically told that a release/disengagement letter as well as the digital copy of the file would be sent regarding the case. That letter never arrived as promised.
This has become a serious problem because other attorneys we have contacted have indicated that they need confirmation that the previous firm is no longer representing or involved in the matter before they can properly move forward with reviewing or handling the case. Because we still have not received the promised documentation, we feel that our ability to move forward and obtain new representation has been unnecessarily complicated and delayed.
When a law firm tells a client that an important document will be provided, especially a document that may affect their ability to retain another attorney, that commitment should be taken seriously.
We were never expecting this firm to guarantee an outcome, accept a case they did not want, or tell us only what we wanted to hear. We simply expected clear legal communication, professional treatment, basic compassion, and the documentation that was promised.
The most disappointing part is that we contacted this company specifically because its Google reviews created the impression that it was a highly reliable and professional organization. We truly believed we were reaching out to a firm that would treat accident victims with dignity and provide responsible guidance, even if they ultimately decided not to take the case.
Unfortunately, our personal experience did not reflect that expectation.
I sincerely hope management reviews how prospective clients are treated by intake staff and legal assistants, how sensitive legal information is communicated to people who are already under significant stress, and how disengagement or release documentation is handled when representation ends or a case is declined.
A law firm does not have to accept every case, but every person who contacts the firm deserves to be treated respectfully and professionally.
Based on our experience, better communication, more empathy, and stronger follow-through would have made a significant difference.
I highly recommend the Law Offices of Peter N. Davis.
After I was rear-ended in a car accident and suffered injuries to my neck and back, they provided outstanding representation during a very difficult time in my life.
My attorney, Robert Russotti, and my case manager, Muminah Ramadan, were professional, compassionate, and attentive throughout the entire process. They helped me obtain the medical treatment I needed and were always available to answer my questions and address any concerns I had. Their diligence, communication, and dedication gave me peace of mind while I focused on my recovery.
I am truly grateful for the support and guidance they provided during my hardship. I would not hesitate to recommend the Law Offices of Peter N. Davis to my family and friends.
Thank you so much for your help.
I want to especially thank David Ventoso for always informing me what was going on with my case. He kept up with all my questions and answered every time I called him.
Awesome staff also
Thank you again
Angela Selby
