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The Truth about Insurance Adjusters

Published on August 1st, 2017 by The Illinois Hammer Injury Law Firm


As if the pain and suffering weren’t enough, an injured person can add the stresses of getting their workers’ comp case approved, plus the pressure of getting back to work, onto their mounting responsibilities. The upsetting truth is that in many cases an insurance adjuster’s job is to find ways to minimize the finances you truly need to get better and make ends meet, or even not pay you at all.

An adjuster may go to a person’s facebook page and look for proof that an injured person is not really hurt or as hurt as they claim. For instance, if a person says they severely hurt their back at work and an adjuster finds a video of the claimant picking up their son, the adjuster may use that as evidence that the claimant isn’t injured. An adjuster may even lead an injured person to believe that if they deny their claim that their options are exhausted, however that’s not the case. Having the terms of one’s injury assessed by an attorney can let a person know if the denied claim can be challenged. In fact, sometimes letting an insurance adjuster know any attorney is involved is enough for them to be honest with a claimant instead of giving the run-around.

They system only wins if the victim gives up! Don’t let the difficult process prevent you from getting justice.

Sometimes a victim that potentially has a case throws in the towel, rundown from ambiguous explanations and unhelpful answers from insurance providers. At this point the reliance falls on their health insurance, and while they may be covered, there is a hidden danger in going through one’s own health insurance instead of being protected through their employer’s insurance. Depending on the severity of the injury, the health insurance company may deny a future personal medical expense, siting the fact that they’ve already covered you for a major injury. If this happens, your employee’s insurance has no legal obligation to assist you because the health issue is not work-related.

Throughout this process it’s important to know the consequences of not using your employer’s insurance when covering medical expenses, as well as tricks insurance adjusters’ attempt. While the whole situation can be quite overwhelming, it’s important to know that there are laws that protect you.

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