As anyone who has been through this situation will know, the process of obtaining proper compensation from an insurance company after a car accident can be arduous and stressful. Insurance companies, whether your own or that of a liable party in your case, are always looking for loopholes and excuses that will get them out of paying major funds, and they’ll often go to great lengths here.
At the Law Offices of William Rawlings & Associates, we’re proud to offer you quality car accident injury attorney services that will help balance the scales here. We’ve spent years dealing with both liable parties and their insurance companies, with many former insurance adjusters in the fold who understand exactly how these companies work – and how to fight against some of the tactics they’ll use.
One particularly stressful area in some auto accident injury cases is what’s called prolonged recovery. Lucky car accident victims may recover quickly from physical injury, or may even have very little such injury to begin with, but many less fortunate people will suffer back pain, neck pain or other symptoms that linger on for weeks or months after the accident. In these cases, insurance companies will try a few specific tactics to avoid covering this prolonged care – let’s look at each of these tactics and how we’ll help you fight back against them.
Issues of “Malingering”
Insurance companies often like to put a sparkly bow on even some of their most negative behaviors, and this area is a good example. Representatives are obviously instructed never to tell someone outright that they’re faking or exaggerating an injury – instead, they’ll use the term “malingering.”
Really, though, you know what they mean. This is often the first argument made against providing compensation for treatment that comes weeks or months after an accident, one where the insurance provider claims you don’t actually need the treatment and are exaggerating.
If the malingering excuse doesn’t work, many insurance companies will next move to pre-existing conditions. As the term suggests, they’ll go out of their way to try and prove that your current physical symptoms are not a result of your vehicle accident – rather, that they’re due to a previously present condition of some kind. They’ll dig deep into medical records, even going years back to previous physical therapy or any other evidence that might suggest the injury came from somewhere else.
Unrelated to Accident
Finally, if both of the above are unsuccessful, the insurance company may just argue that the treatment you received wasn’t relevant for accident-related injuries. They may ask why you didn’t go to the ER directly after the accident, for instance, and then use that fact to claim that future treatments are not connected because you clearly weren’t in pain right after the accident (a straw man argument our attorneys can quickly poke holes in, as not all accident injuries are immediately visible).
For more on ensuring you have the proper compensation for prolonged treatment after a vehicle accident, or to learn about any of our personal injury attorney services, speak to the staff at the Law Offices of William Rawlings & Associates today.