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How Do Insurance Companies Use Intimidation Tactics?

Going up against an insurance company can be daunting. They have a team of attorneys trained to find holes in your case. While intimidation tactics are never condoned, they are still used by many companies. In order to recognize these tricks, it is helpful to know some of the most common ways insurance companies may try to intimidate you.

Common Intimidation Techniques

One of the ways an insurance company may try to manipulate the situation is by choosing what information is relevant. If they discover some key information that wasn’t previously communicated to them, they might choose to punish you for not telling them, instead of simply assuming you had made a mistake and asking you to supply the missing information.

Insurance company record keeping requests can be exhaustive, and many firms request numerous forms of documentation, including divorce records, medical records, and other sensitive information. This increases the chances that they could punish you for simply forgetting to include a piece of information. Additionally, they may request information that has no relevance to the case or is unnecessarily detailed. You should carefully consider what information you provide to your insurance company. Legal counsel can review their requests and inform you on the best decisions for submitting documentation.

Aggressive Tactics and False Allegations

Another intimidation tactic is employed through harassment, or aggressive investigations or interrogations. Claims adjusters and company representatives may use harsh language, embarrassing information uncovered about you, or even surveillance methods to try and bully you into dropping your claim. If you’ve experienced any such actions by an insurance company, hiring an attorney is your best bet to protect yourself and put you in a stronger position from which to counteract this intimidation.

Another common trick is to make false allegations about the policyholder. They may accuse you of fraud or attempt to defraud you by misstating the value of items in the claim. This often will lead people to accept a settlement that is less than they deserve just to be done with the aggravation of dealing with the insurance company.

Insurance companies have also accused people of arson on many occasions. They take circumstances that are clearly not the policyholder’s fault and try to twist them into arson. This can make people settle out of fear of criminal charges. Insurance companies use this trick with many different crimes, trying to distort the facts into something that places blame on the policyholder.

Legal Intimidation and Recourse

Another strategy is attempted through litigation. Insurance companies may begin a legal action to try and manipulate the judicial process in their favor. This may cause additional delays and require extra steps on your part. Many policyholders become intimidated by the complexity of the judicial system and try to get things over with as quickly as possible.

Challenging insurance companies can be an intimidating undertaking. If you feel like your insurer is treating you unfairly or trying to employ any of these tactics on you, contact an attorney who can help keep your insurance company from taking advantage of you.