72 Ways Insurance Companies lie, cheat and steal from people injured in car crashes

     Some time ago, I sat down on a Saturday morning and was reflecting on the devious ways insurance companies had attempted to defeat my client's cases.

     As a result of that morning musing I wrote the following article entitled, 72 Ways Insurance Companies lie, cheat and steal from people injured in car crashes:

1.
Plaintiff vehicle not equipped with headrest, seat belts, rearview mirror, or other safety device and it is plaintiff's responsibility to provide his/her vehicle with such devices.
2.Seat belts or other safety devices available in vehicle but not used by plaintiff.
3.Equipment defects in plaintiff's vehicle: Tires bald, brakes not working, tail lights not working, turn signals not working.
4.Plaintiff's driving ability and perception impaired by use of alcohol, medication, or drugs.
5.Plaintiff had hearing or vision defect and wasn't wearing glasses or hearing aid.
6.Plaintiff had a physical defect, i.e., epilepsy, headaches, sickness, etc., which impaired his driving ability and perception.
7.Plaintiff under doctor's orders not to drive.
8.Plaintiff not licensed to drive or driving with suspended license.
9.Plaintiff didn't notice defendant until impact or immediately before impact and therefore inattentive.
10.Plaintiff's recollection of times, speeds, and distances is so inaccurate as to indicate inattentiveness or incompetence in driving and at the very least diminishes his/her credibility.
11.Plaintiff exaggerates defendant's speed and other facts surrounding accidents so as to diminish his/er credibility which makes him/her an unreliable or unbelievable witness.
12.Plaintiff had warning of danger within a sufficient time to avoid accident if paying attention.
13.Plaintiff could have avoided accident if not exceeding safe speed for conditions.
14.Plaintiff made an unnecessary and unexpected stop.
15.Plaintiff made an unsafe lane change without warning.
16.Plaintiff gave no stop or turn signal.
17.Plaintiff backing up under circumstances and/or at location where reasonable person wouldn't have anticipated same or where it was difficult for defendant to see same.
18.Plaintiff not in intersection first.
19.If plaintiff and defendant in intersection at same time, plaintiff was to defendant's left or exceeding speed limit or safe speed or inattentive.
20.Plaintiff makes poor appearance as witness.
21.Plaintiff has verbal difficulty describing events surrounding the accident
22.Defendant acting as "reasonable person" in the operation of his/her vehicle including safe speed for conditions and therefore not negligent, i.e., defendant's conduct not probable cause of accident.
23.Act of God or unknown reason was responsible for accident.
24.No independent witnesses found substantiating plaintiff's version of accident, or witness cannot be found (plaintiff, not defendant has legal duty to prove by a "preponderance of the evidence" each element of his/her case.)
25.Witnesses dispute plaintiffs version of facts or substantiate defendant's version.
26.Investigating police officer makes errors in his/her report or erroneous conclusions disputing plaintiff's version of accident.
27.Physical evidence (lights, brakes, tires, etc.) was lost as it was necessary to have it examined by an expert to substantiate plaintiff's version of the facts.
28.Plaintiff didn't obtain the services of an expert to substantiate negligence of other parties.
29.Police not summoned to scene therefore inferring minimal or no injury.
30.No complaint of pain at scene of accident by plaintiff to anyone.
31.No indication on police report that plaintiff complains of pain at scene.
32.No objective signs of injury at scene of accident like cuts, bruises, etc.
33.No request by plaintiff at scene for ambulance.
34.Plaintiff not examined at emergency room on day of accident or soon after.
35.Minimal property damage to either or both vehicles involved.
36.Plaintiff's vehicle equipped with shock-absorbing bumpers. headrests, and seat belts which were being used and which made impact injuries impossible or improbable.
37.No other persons involved in accident had injuries.
38.Plaintiff received no treatment for substantial period of time following the accident.
39.Plaintiff made errors in recalling his/her medical and/or employment history to insurance company.
40.No medical opinion substantiating medical causation between accident and plaintiff's medical complaints.
41.Shortly after the accident plaintiff's physical/health condition returned to what it was immediately prior to the accident
42.Plaintiff had made prior complaints and received prior treatment to the same areas of his/her body allegedly injured in the accident and his/her complaints after the accident hadn't changed.
43.Plaintiff had a subsequent injury which has caused continual problems.
44.Plaintiff exaggerates complaints related to the accident per his/her medical records.
45.Plaintiff's complaints to doctor were minimal.
46.Plaintiff's complaints to doctor were bizarre, exaggerated, and lengthy per medical records.
47.Plaintiff's complaints to one doctor different from his/her complaints to other doctor(s).
48.Plaintiff had full range of motion at physical examination.
49.Plaintiff had no complaint of pain at physical examination.
50.Plaintiff observed moving normally while not being examined by doctor.
51.Plaintiff's family doctor had opinion of minimal injuries, did not prescribe physical therapy or any other treatment nor did they give an appointment for plaintiff to return or tell plaintiff to "return in a month if plaintiff experiences pain". Plaintiff did not see doctor again.
52.Plaintiff's injuries totally "subjective". i.e., no indication of injury from x-rays, orthopedic tests or observation.
53.Plaintiff received minimal treatment for minimal time period after accident.
54.Plaintiff's doctor no longer in area or otherwise unavailable.
55.Plaintiff was examined by doctor recommended by insurance company soon after accident and was found uninjured and not in need of treatment.
56.Plaintiff had chronic-type complaints per past medical records or has unrelated medical problems as such arthritis or congenital problems such as spondylosis.
57.Cost of treatment was excessive and period during which plaintiff was treated was excessive in light of standard charge for such services in the community and normal period of disability for such injuries.
58.Plaintiff went to work contrary to his/er doctor's advice and thereby aggravated his/er injury and/or caused prolonged period of disability and/or treatment.
59.Plaintiff's doctor did not recommend time off of work yet plaintiff took time off work.
60.No doctor has stated that plaintiff would lose work time in the future.
61.Plaintiff had poor attendance record at work prior to accident.
62.Plaintiff would have been terminated or laid-off even without accident.
63.Plaintiff had no job at the time of accident and can't substantiate that he/she was applying at various places.
64.Plaintiff's earnings per W-2 and tax records indicate smaller earnings history than claimed.
65.Plaintiff paid by cash for prior employment and can't document past earnings and/or has no tax returns.
66.Plaintiff's alleged employer has no official record (i.e., W-2 Fonn) or other means to substantiate plaintiff's employment.
67.Plaintiff lets various "Statutes of Limitations" run, thereby foreclosing possibility of recovering anything for his/her claim.
68.Plaintiff was partially at fault and should recover less under the Comparative Fault laws.
69.Plaintiff has history of filing lawsuits for the purpose of collecting compensation.
70.Plaintiff has history of mental illness or emotional problems making him/her unreliable.
71.Plaintiff made statement to insurance company that he/she was not injured in the accident,
72.Plaintiff failed to give proper and timely notice to governmental bodies, thus plaintiff s claim is barred.

And... There are hundreds more! It is the insurance adjusters job and duty to seek out and find as many defenses and arguments as possible in your case.

Let us help and protect you, contact us online or call us at 800-404-5400 to set up a FREE consultation.


Client Reviews
  • Me and my wife; had a car accident. We were amazed how easy, professional, friendly attorney Ed Smith is along with his staff. Everybody is amazing. Thank you so much, we are very impressed!
    Sincerely, Alex & Dinah M. ★★★★★
  • Ed Smith and his office team took on a difficult personal injury case on my behalf and for the passenger in my car. Ed is a top- notch attorney. His staff couldn't have been more helpful and kind. No need to look elsewhere. I give Ed Smith my highest recommendation. Beverly ★★★★★
  • Ed and Robert have been taking great care of my husband and I for the past 5+ years. They are always there when you have a problem and a quick resolution! Even when the issues have nothing to do with them. They are willing to help ease the pain off your shoulders. They are as good as it gets! Thank you again for everything. Annie T. ★★★★★
  • Very professional. Great team, staff and service all around. Mr Smith was very honest, straight forward with his advice. He gives the word "attorney" an honest reputation. I will seek his council anytime, and would recommend him at the drop of a dime. Jeremy M. ★★★★★
  • I would highly recommend Ed Smith to any friends or family in need of a personal injury attorney. Ed, and his staff, are very caring on top of being very experienced in this field. The staff always keeps you informed of the status of your case and they are always easy to reach by phone. Shannon D. ★★★★★
  • Edward Smith law offices provide competent, thorough, and personable help for victims of personal injury. When you first meet the staff you know you contacted the right office. This law office treats clients like people. I recommend this office to anyone seeking representation regarding personal injury. David M. ★★★★★