Common reasons why insurance companies deny claims

Insurance companies are investment companies looking to minimize their risk of exposure. They want to deny your claim or play you partially.  A few reasons insurance companies commonly deny a claim are:  Variations of the same story.   Insurance companies will use multiple versions of the same story to cloud facts and distort liability and medical treatment.  Can’t Contact their insured—insurance companies have a contractual obligation within their policy that states they don’t have to pay on claims where their insured doesn’t communicate or appropriately participate. They call this clause a “reservation of rights” and commonly use it to deny claims. Word vs. Word—Sometimes the insurance company will indicate that they can’t determine who’s at fault because there is no other evidence outside of your word and their insured’s word. Usually, this is used in a contested lane change. However, an attorney will go the extra mile and investigate the facts by looking at the

What is PIP and MedPay Coverages?

While similar in some ways, PIP and MedPay are not identical. Both of these types of coverages are additional coverages purchased under YOUR own policy to help pay expenses incurred as a result of a motor vehicle accident. Both of these coverage types are NO-FAULT provisions; which basically means it does not matter who is at fault for the auto accident. PIP (or personal injury protection) covers medical expenses, loss of essential services and loss of income while MedPay generally only covers medical expenses. PIP typically comes in coverage amount increments of $2500, $5,000, $10,000.  The biggest difference between PIP and Med Pay coverage is that under the MedPay provisions, your insurance company has a right to recovery for any medical expenses they paid out on your behalf. This means that after your case settles with the other dirver’s insurance carrier at fault, you will have to reimburse your insurance company for any money they paid on your behalf for any m

What to do if you get into an accident?

 What to do after you are involved in a motor vehicle accident??? 1. CALL THE POLICE OR 911     a. Check to see if anyone is injured. If someone is seriously injured call 911.      b. If there are no serious injuries, call the police and have them come on scene and file a police report. 2. DO NOT CALL ANYONE ELSE FOR THE NEXT 10 TO 15 MINUTES ON YOUR CELL PHONE.      a. It has been noted in recent cases that cell phone messages left at or near the time of the accident are used by insurance companies to claim cell phone usage as a cause of the accident.  3. GET THE OTHER DRIVER’S INSURANCE INFORMATION & DRIVER’S LICENSE INFORMATION     a. Get as much information as possible about the other driver, such as driver’s license number (take a  picture of their driver’s license), license tags, insurance policy, and take descriptive noteson the appearance of the vehicle and the driver. Cell phone photos are very helpful.  4. TAKE PICTURES OF BOTH VEHICLES & VIDEO/PIC

What are Soft Tissue Injuries?

  Soft tissue injuries involve the muscles, tendons, or ligaments of various areas of the body. Common soft tissue injuries include: Bursitis — inflammation of a bursa (sacs that surround joints) due to overuse or repeated stress Contusion — a muscle bruise that results from a direct blow Muscle Sprains — an injury to a ligament or joint capsule from overstretching Muscle Strains —   traumatic stretching or tear to a muscle, tendon, or a connected group of muscles and tendons Tendinitis — inflammation or irritation of a tendon (or the sheath covering it) from overuse or repeated stress Be sure to contact a doctor if you experience any of the following symptoms, because they may indicate a soft tissue injury: A lump or knot at the site of the injury Inability to bear weight Joint instability Limited range of motion Muscle cramping or spasms Muscle weakness Pain Swelling Visible bruising For some soft tissue injuries the treatment usually involves some of the follo