Absolutely! Each insurance carrier is different for each case.
As a general rule, certain insurance carriers are more reliable. When they enter the case, you breathe a sigh of relief and say, “Thank goodness. This is an insurance company I can work with.”
Other insurance companies are less welcome. When they come on the case, you take a deep breath and say, “Here we go again.” You already know that it’s impossible to reach anybody. You already know that it’s going to be difficult.
Do People Try to Handle These Situations On Their Own?
Unfortunately, I do see a lot of people trying to handle these cases on their own.
To be blunt, this is generally a problem. Most people who handle their own cases think they’re being penny wise and pound-foolish.
They’re seeing a doctor, and the doctor recommends surgery. Thusly, they say to the insurance company, “The doctor has recommended surgery. I don’t really know if I want to have surgery, but I’d like to get a second opinion.”
The insurance company then says, “Sure, we’ll give you a doctor.” In this case, under the law, you can’t pick the doctor.
The insurance company will pick the doctor. You see that doctor, and that doctor says, “I don’t care what the other doctor says. I see that you have a herniated disk, but I don’t think you need surgery. Furthermore, I think this herniated disk is from an accident that you had many years ago. There’s nothing wrong with you related to this accident, and you don’t need surgery. Good luck!”
At this point, you call up the insurance company and say, “Listen, I’d like to go back to the first doctor.” The insurance company will smile and say, “I’m sorry, sir. You can’t. And you got a 0 percent rating from your second doctor. We don’t owe you any benefits; we’re not going to give you any more medical care. We’re closing your file, and we wish you the best of luck.”
At this point, you pick up the phone, and you call the lawyer to say, “I’d like some help.” Unfortunately, you’ve already burned a very huge bridge. It’s very difficult for us to get you the benefits that you’re entitled to.
This is just a small example of something very simple that can happen and it does really happen. That can really hurt your case.
What Are Some Mistakes that People Unintentionally Make that Hurt their Case?
Sometimes, people give a recorded or written statement to the insurance company after an accident. , On that recorded statement, they may say things that will hurt them, rather than help them. Most often, people don’t understand exactly what they said to hurt their case. For example, they may not list all their injured body parts.
Many times, people with slip-and-fall cases, for example feel only their back pain. Insurance companies can reach the injured party and ask them to give a statement about their accident. Often, the statement will say that their back hurts. They won’t declare it’s from the accident. A few days later, the neck pain begins and they realize it’s not just from sleeping.
Now that they realize their neck is injured from the accident, they want to file a claim. Unfortunately, the insurance company says, “So sad, too bad. We’re only going to give you medical care for your back. Look at this statement. You said you hurt it while sleeping.”
These situations create problems as well. This is just a small example of what commonly happens.
Can Social Media Exposure Hurt a Workers’ Compensation Case?
Absolutely! Social Media can hurt a case. For example, if you get hurt and say to the doctor, “I can’t lift 25 pounds;” or if you use a cane; if you state you can barely move, and yet you post pictures of yourself playing golf or playing basketball, for example, then you’re committing a severe no-no.
This can ultimately get you in trouble under the law and not only get your case dismissed but the insurance company can prosecute you for fraud.
If you’re having a problem, you need to tell the doctor. You need to be honest about what your problems are. Don’t overplay it, and, by the same token, don’t downplay it.
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