Every insurance company operates like a typical business. It seeks to make money. Some insurance companies use underhanded tactics, in an effort to increase the amount of money that comes in from the dividends paid by policyholders.
A policyholder will not make a large claim, if he or she feels that a policy that was purchased earlier will not cover an existing situation.
That simple fact forms the foundation for one tactic. Hide from the policyholder details on all of the situations that could be covered by that same, purchased document.
Utilization of this particular tactic can extend beyond the time when an insurance policy gets sold. For instance, an insurer might deny to a policyholder all the details, regarding the extent of a policy’s coverage, at the time when the policyholder most needs such coverage.
Consumers can fight that tactic by keeping any policy in a spot where it can get viewed with ease. A personal injury lawyer in Lethbridge might be hired, in order to have a policy read thoroughly. That reading could reveal the existence of coverage that had been denied.
A good lawyer would never take for granted the fact that no one had been injured in a given accident.
On the other hand, an insurance company would not hesitate to accept such a claim. In that way, it could rid itself of the need to pay for any injuries that might show up in the future.
A truly unscrupulous insurer might even try to get more money from the innocent policyholder. That could be attempted by claiming that the plaintiff was partly responsible for some of the reported damage. Thus, the policyholder would get cheated in 2 ways.
The approach used to obtain a recorded statement could qualify as a tactic with a dubious purpose.
Smart claimants do not agree to given the insurance company a recorded statement, until they have spoken with a lawyer. Anything said in that same statement could later be used against the person that has recorded it. That is why lawyers caution against agreeing to record such a statement soon after occurrence of the damage-creating accident.
Besides seeking a recorded statement from the plaintiff, an insurance company might also want a copy of the plaintiff’s medical records. A smart lawyer realizes that no client should give a defense team unfettered access to all of his or her medical records.
A client might have a pre-existing condition, or might have suffered a different medical problem in the past. For that reason, a plaintiff should provide a defense team with only the most recent and relevant documents, from among those in the entirety of the plaintiff’s medical records.