Are You Tired of Battling Insurance Companies?

After being injured in an auto accident, you may be too focused on your physical and emotional recovery to deal with the mountain of papers sent from the insurance company. But you get the bottom line: they don’t want to pay the amount you need and deserve. You’re not alone.

Claim Denials 

In fact, one government study estimated that between 10 and 20 percent of all claims are denied. Another study found that hospital claims for procedures recommended to patients by their doctors were denied to the tune of 17 percent. 60 percent of adults—an astounding number– report that a medical procedure had to be put on hold due to insurance issues at some point in their lives. And while the data is well-guarded by insurance companies, we know that many, if not all insurance companies, have procedures in place intended to discourage customers from pursuing legitimate claims. Clearly, insurance denials and underpayments for all sorts of claims are more common than you might ever have imagined.

Tactics Used by Insurance Companies 

It is well-documented that insurance companies are in the business of making money, and if that means denying expensive claims, so be it.  It seems it’s all about their bottom line. In many cases they try to wear customers down until it’s just easier to finally give up and let the insurance company off the hook for reasonable medical expenses. Some tactics include:

• Scrutinizing expensive claims down to the last detail;
• Designing computer programs that automatically deny claims in bulk with little or no review;
• Moderating claims, or refusing to pay at all in cases where there was a patient delayed seeking medical care;
• Demanding “one more piece” of documentation;
• Maintaining that they haven’t received materials that you know you’ve sent in;
• Intentionally confusing clients in the immediate aftermath of an accident;
• Deferring responses;
• Rejecting claims based on technicalities;
• Arguing that the treatment is unnecessary or experimental;
• Declaring injuries were related to a preexisting condition;
• Recommending a lowball offer now, knowing you’re desperate for the cash;
• Seeking evidence to prove you were at fault in an accident;
• Attempting to get you to say that you were partly or fully to blame for the accident.

Your Options 

Attempting to collect damages related to an accident can be a major headache. Soon after an accident, it’s important to call the local, experienced La Plata & Waldorf personal injury attorneys at our office. The benefits are numerous:

• It signals to the insurances company that you are not going to fold;
• Everything will be precisely documented and attended to;
• You will receive legal advice as to papers you should or shouldn’t sign, statements you should or shouldn’t make, social media posts you should stay away from, and more.
• Dedicated professionals will do the legwork to collect your settlement, allowing you to concentrate on recovering;
• You have a team of reliable individuals working for you who know all the maneuvers commonly employed by insurance companies, and how to get around them.
• You can have the confidence that the best possible outcomes are being fought for on your behalf.

Let us help you get the settlement you deserve. Contact the La Plata & Waldorf personal injury attorneys at HM Law today for a confidential consultation.

Source:

propublica.org/article/how-often-do-health-insurers-deny-patients-claims