Alfonso & Berriz, APC Results

When an accident happens, the first flood of emotions usually includes some form of gratitude that things weren’t worse. After the dust settles and the adrenaline dissipates, however, the injuries and damages all start to quickly add up and take a toll. Medical bills, lost earnings, deductibles, and lost time from family and work mount to add stress and inconvenience to an already hectic life. These losses are the basis of an insurance claim, whether it is property damage or bodily injury claim.

The formula for the insurance company is really quite simple: Collect millions of dollars of premiums, but pay out as little as possible to persons who bring claims following an accident. Insurance companies are experts at delaying and denying claims in order to increase their profitability.

Routine tactics employed by insurance companies include failing to return phone calls, delaying vehicle inspections, reimbursing unrealistically low sums for car rental, low-balling property damage and bodily injury claims, refusing to reimburse for lost earnings or medical bills, car rental, and the list goes on.

One of their most used techniques is to require you to spend hours, weeks, months and even years collecting and supplying “records” for the insurance company. Here, with the passage of time, the insurance company hopes you give up and forget about the claim. At a minimum, even if you do not give up, the company will earn a high profitable return by holding on to your money as long as they can.