Fraud accusation insurance company intimidation tactic, Common intimidation techniques, Tactics by insurance companies are unethical & illegal, Obligation of good faith and fair dealing toward policyholders
From Surrano Insurance.
“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.”
From the Bennett Law Firm.
“Intimidation Tactics by Insurance Companies are Unethical & Illegal
People throughout Oklahoma experience accidental injury and property loss on a daily basis. An accident is defined as an undesirable and unfortunate happening that occurs unintentionally usually resulting in harm, injury, damage or loss. Although no one anticipates an accident, many trust that when it happens their insurance company will provide the security and protection promised by their insurance policy. Sadly, many consumers find that their claims are met by insurance intimidation tactics and delay. An Oklahoma insurance company that engages in ploys designed to intimidate an insured into accepting less than the value of his or her claim violates the insurance provider’s obligation of good faith and fair dealing toward policyholders.”
- “Unsubstantiated Fraud Allegations: Many insurance providers will allege that their policyholder is engaged in fraud by inflating the value of items in their claim, fabricating events resulting in loss or claiming loss of items that do not exist or were not lost or damaged. Sometimes these allegations will be loosely based on mistakes on a proof of loss form or be completely without any factual support. The objective is to intimidate a policyholder into accepting a lowball offer because of fears that the insured will face potential civil or criminal liability as well as having his or her claim completely denied.”