Insurance Excuses

When a family experiences the serious injury or death of a loved one, they often try to work with an insurance company without the assistance of an attorney.  All too often they learn the hard way that insurance companies offer excuses instead of fair compensation.  The following is a list of common excuses used by insurance companies,  whether in the claims process or at trial:

Excuse No. 1:  “Even though there are witnesses who say you did nothing wrong, we have a paid expert who will testify against you and say you were negligent in causing the incident which resulted in your injuries.”

Excuse No. 2: “No independent witness saw what happened so we are not going to believe your side of the story.” 
 
Excuse No. 3:  “Even though the doctors and therapists treating you have verified the serious nature of your injuries, we have paid one of our doctors to review your medical records and examine you in this case. He will testify that your injuries aren’t as serious as your doctors think.”

Excuse No. 4: “We have paid one of our doctors to review your medical records and examine you in this case. He will testify that your injuries were caused by something other than the incident in which you were involved.”

Excuse No. 5: “We have paid one of our doctors to review your medical records and examine you in this case. He will testify that you were not injured in the incident.  Your problems were caused by the natural aging process.”

Excuse No. 6: “We have paid one of our doctors to review your medical records and examine you in this case. He will testify that you had a pre-existing problem and the incident had nothing to do with the problems you’re having now.”

Excuse No. 7:  “You stayed off of work too long.  We have paid one of our doctors to review your medical records and examine you in this case. He will testify that you could have returned to work sooner than you did.”

Excuse No. 8:  “Your fractures have healed and we will not compensate you for the arthritis which has formed because, sooner or later, most people get arthritis.

Our firm serves the following cities and counties:

Merrillville, Valparaiso, Crown Point, Gary, Portage, Schererville, Dyer, Hobart, Lake Station, St. John, Cedar Lake, Lowell, Hammond, East Chicago (Indiana), Whiting, Munster, and other communities in Lake County,  Porter County and La Porte County as well as Chicago and Cook County, Illinois.