Watch Out For These Four Traps Workplace Injury Insurance Agents Set
For a lot of workers who suffered a workplace injury the most traumatic moment is probably the first phone call from the insurance company looking for a statement. It is completely normal to be stressed and confused when their agents ask you to recall exactly what happened, but what you say could have more impact on your case than you could probably imagine.
There is a reason insurance companies rush into getting a statement from the injured worker. You have to be extra careful what to say, as it could seriously damage your case. And insurance agents are well aware of that!
That is why you have to hire a reputable workers compensation attorney to represent you and advise you on what you should and shouldn’t say.
The workers’ compensation law experts at Philadelphia Work Injury Attorney Group advise that in this case ’hiring experienced legal representation can prevent your claim from being denied or delayed’. But hiring an experienced attorney will also ensure you don’t fall for some of the most common traps insurance companies set for workers.
In this article, we’ll list the most common ones.
Providing Incomplete Information
Workers tend to omit important details regarding their workplace injury when insurance agents catch them off guard. Omitting details can be a serious issue, as you have to provide all the details if you hope to win your case.
Workers tend to give statements like “I’m not sure what happened, it all happened so fast” or “the details are blurry” when confronted by insurance agents. However, these statements could seriously harm your case since they imply that you don’t know how the injury occurred.
As your attorney will likely warn you, injuries of unknown origin are not covered by workers’ compensation insurance. That is why insurance agents try to lead injured workers to issue an incomplete statement like that.
Not Specifying the Details of the Injury
Similarly, statements like “My back got injured after I worked all day” are going to result in your case being denied. When asked about the injury, you have to specify all the details, including how and when it occurred.
You have to state what you were doing at the time you got injured, what kind of pain you felt and how the pain progressed afterward. This is important because you have to prove that you sustained your injury as a result of your work and not any outside factor.
Interruption and Misdirection
Insurance company agents know how to misdirect you through interruption and lead you to say something you did not mean to. They want to lead you to provide incorrect or incomplete information and they will do anything to draw out anything that could help them in their case against you.
Lack of Judgement
Workers who suffered a heavy physical or psychological trauma are likely to be medicated during their recovery. Insurance company agents often tend to use your medication-clouded judgment against you.
They will call you during your hospital stay when you are medicated or visit and keep asking for a statement. While medicated, you might not be able to recall all the details or might say something you wouldn’t otherwise. And you can bet that they will use these statements against you.