If you or a loved one was injured in an accident through no fault of your own, your claim will likely land on the desk of an insurance adjuster. Adjusters are trained to closely scrutinize injury claims looking for false or exaggerated injuries. In many cases, the adjuster will order surveillance of the claimant. A qualified personal injury attorney can explain what types of cases may raise red flags.
When an accident claimed is filed with an insurance company, the adjuster will run the claimant's name through an Index Bureau database. This will reveal how many times a particular plaintiff has previously filed accident claims. If a claimant has a history of making accident claims, this can raise the adjuster's suspicions that he is dealing with a "professional plaintiff." In that case, expect the adjuster to order surveillance on the claimant in an attempt to root out fraudulent injury claims.
The Claimant's Appearance
To an adjuster, what you look like can say a lot about you. As your personal injury lawyer can explain, adjusters look for claimants who show up wearing workout gear or attire. The theory is that if a claimant is fit enough to work out at the gym, they may not be as injured as they say.
The Plaintiff's Doctor
Adjusters look carefully at who is treating an injured claimant. Doctors may earn the reputation of being a "plaintiff's physician" if the they routinely recommend their patients file injury claims. Adjusters worry that the doctor and/or patient is trying to "game the system." Close surveillance of the claimant can help reveal false injury claims.
As a personal injury lawyer can explain, repeated injuries of the same body part can raise the adjuster's suspicions. Surveillance might be ordered to ensure the claimant is legitimately hurt instead of attempting to milk the system.
If a claimant alleges recurrence of an existing injury at "convenient" times throughout the year, this can tip off the adjuster to potential fraud. For example, if the injury tends to always flare during the summer or around major holidays, this is suspect. If the injury comes back during a layoff or strike, the adjuster might suspect it is too convenient to be true.
Dealing with claims adjusters and insurance red tape can be a time-consuming, daunting process. You don't have to handle it on your own. Put an experienced personal injury attorney in your corner who knows what insurance adjusters look for.
If you or a loved one was injured in an accident through no fault of your own, your claim will likely land on the desk of an insurance adjuster. Adjusters are trained to closely scrutinize injury claims. The adjuster may order surveillance of the claimant. A qualified Atlanta personal injury attorney can explain what types of cases may raise red flags