Delay, Deny and Defend
Insurance companies are operated by accountants with little or no regard for the human consequences of injuries caused by their insureds or businesses. Their motive is to “delay, deny and defend” and they are the real perpetrators of insurance fraud. “The bottom line is that insurance companies make money when they don’t pay claims . . . They’ll do anything to avoid paying, because if they wait long enough, they know the policyholders will die.” – Mary Beth Senkewicz, former senior executive at the National Association of Insurance Commissioners (NAIC).
When the insurance company calls you following an accident, their representative will seem sympathetic and tell you how sorry they are that you were injured. Then they will send you a pre-written, form letter expressing their concerns. At this time you are now formerly known to the insurance company as Claim # 1233456000. The insurance company’s only real concern is to figure a way to profit from the premiums that you have paid over the years by not paying your claim.
This is why you need to immediately call an experienced attorney to understand you legal rights. The insurance company will not voluntarily tell you all of your legal rights, since doing so will cost them money.
As an experienced attorney, we at R.C. Shea & Associates have become obsessed with exposing insurance companies’ deceptive practices and the junk science they espouse through their hired guns to defeat their insured’s legitimate claims. By calling upon the experienced attorneys at R.C. Shea & Associates, our job is to present the truth to the jury, and to effectively counter defense tactics to distort the truth.
If you find yourself injured as a result of an automobile collision, ask your insurance company about your right to medical expense benefits, income continuation benefits (in the event you cannot work) and essential service benefits (in the event you cannot perform household chores). If you have been injured in a trip and fall accident, you may have a right to extended medical expense benefits (Med-Pay) from the owner/occupier of the property where you were injured.
Have you limited your right to seek compensation for the pain and suffering that was inflicted upon you by an irresponsible party? If you cannot answer this question then the answer is probably “yes.” Ask your insurance company why you have the Limitation on Lawsuit Option (Verbal Threshold) in your automobile insurance policy and ask them why you don’t know that such a limitation is in your policy. You will be surprised to learn that you could have avoided this (verbal threshold) trap had your insurance company told you, up front, that for a small increase in your premium you could have elected an unlimited right to pursue compensation for pain, suffering and future medical expenses.
Don’t be a victim by getting caught-up in the insurance company’s trap. Don’t let them delay, deny and defend your legitimate claim. Call us for a free analysis of your automobile insurance policy.