Will your insurer be skeptical about neurological injuries?
If you have recently suffered a physical injury through an auto accident, it is probably easier to understand the limitations you currently have as well as the rehabilitation time expected. For instance, your doctor may suggest that you could go back to work in 4-6 weeks. However, if you are suffering from neurological conditions from a concussion or lyme disease, the healing period condition may not be so easy to predict. Because of this, some disability insurance carriers may not believe that your condition is actually genuine, or may compare the rehabilitation time of unrelated injuries to justify improper denials.
It is not uncommon that ailments that don’t have readily identifiable physical limitations may breed skepticism for insurers because of the potential for fraud, and the cost of paying a legitimate claim. So insurers may take aggressive, and sometimes illegal, actions to avoid paying such a claim. What may seem like “the corporate runaround” to you may actually be instances of bad faith insurance.
For the uninitiated, bad faith insurance is when takes extraordinary and improper measures to avoid paying an otherwise legitimate claim. Bad faith can be exercised in a number of ways, many of which are not recognizable by the average consumer.
This is why having an experienced insurance law attorney to advance your claim or to protect your interests is essential. A skilled lawyer can help you understand the applicable law and see through the tricks insurers may play that could keep you from receiving the compensation you deserve.
If you have questions about administering an insurance claim, we invite you to contact us.