Top 10 Insurance Adjuster Tactics

/Top 10 Insurance Adjuster Tactics
Top 10 Insurance Adjuster Tactics2018-07-20T15:56:07+00:00

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This list of Top 10 Insurance Adjuster Tactics (and employer) are used to close your workers’ compensation claim quickly after you have sustained a work injury.  Insurance companies are in the business of minimizing losses, and their goal is closing the workers’ compensation claim for the least amount of money. Hopefully, the insurance adjuster will be friendly, but do not assume they are working for you.

1. Make a Quick Settlement Offer

Again, the insurance adjusters in the business of minimizing expenses. Therefore, they may be willing to offer you a smaller settlement  if you take it quickly and before you’ve hired a lawyer.  I never recommend signing any settlement offer before discussing it with an attorney.

2. Refuse to Approve the Physician Referral

Sometimes your doctor (Authorized Treating Physician) will refer you to a different doctor or specialist for a consultation.  The insurance company might not like the recommended doctor, so they may fight the recommendation.  This can delay your treatment if you were having difficulty getting a referral approved.  In this case, you need to speak with an attorney that knows the Georgia Worker’s Compensation laws.

3. Request Referral To Specific Physician

Along these lines insurance adjuster may contact the doctor to ensure the referrals made to the physician of their liking. This is a situation where litigation is likely you will need to speak with an attorney.

4. Risk Payment Penalties

Unfortunately sometimes insurance adjusters will try to “starve out “” injured workers who are not receiving monetary benefits in hopes that they will result their case for as little as possible.  If you have been off work from with in a week and are not receiving any monetary benefits or medical treatment, you need to speak with an attorney immediately.

5. Fire You

Unfortunately, injured workers are often fired by their employer because they can’t work anymore. If you were fired while working light duty work restrictions, this could increase the exposure to the insurance company.  In a case where you were terminated after suffering a work injury, it is important to speak with a Georgia workers’ compensation lawyer.

6. Offer a Temporary Light-Duty Job

An insurance company and employer can minimize their exposure for ongoing income benefits if they offer major worker of light-duty job that has been approved by the Authorized Treating Physician. However, often times the job is only available  temporarily (even though that may not be disclosed to you). Therefore, you still may be eligible for ongoing benefits if the position is not permanent.

7. Offer a Light Duty Job That Isn’t Light Duty

If you’re receiving weekly income benefits from the insurance company, the employer could offer you a light-duty job if it is been approved by the author is your position pursuant to a WC-24 form, or they may just informally make the offer stating  you are free to return to work at anytime. If you do not attempt to return to work pursuant to the informal offer, the insurance company will likely argue that you are being unreasonable and use this as evidence that  you do not want to return to work. If you do not return to work pursuant to the WC-240a job offer form,  your benefits could be suspended if you are unable to complete a full workday.

8. Ask to Sign a Medical Release

The insurance company is entitled to investigate your claim and will frequently ask for a release to obtain your past medical records.  If you are asked to sign a release, consult an attorney to determine if the release is too “broad”.  In many cases, it is not appropriate for your case, and an experienced workers’ compensation attorney can assist.

9. Request a Recorded Statement 

During the initial investigation into a claim the adjuster will often ask to take a recorded statement to investigate the claim. Depending on how soon after the accident is or how severe the accident is, you may or may not be ready to give a statement and may have difficulty remembering all the details. Inevitably this information could be used against you if you have to give a deposition later and the insurance adjuster/employer could argue you gave inconsistent information. Always consult an attorney before giving a recorded statement regarding the accident.

10. Only See Doctors on the Panel of Physicians

If the claim has been accepted as compensable and the employer has a valid “Panel of Physicians” posted, you are entitled to make one change to another physician on the Panel.  If your employer says you are not allowed to see anyone else and you have not yet used your one time change on the Panel, call an attorney without delay.

Georgia Workers’ Compensation Information

Read this page on What to Know About Workers’ Compensation Attorney Settlements 

Read this post on How to Value Your Claim  

Read this page on Top 10 Injured Workers Mistakes  

Georgia Workers’ Compensation Attorney

The list of Top 10 Insurance Adjuster Tactics can serve as a starting point.  However, if you are injured and need legal advice, please read “Why Gearhart Law Group.”  Beth Gearhart listens and cares about her clients, and she is waiting to speak with you at (404) 445-8370.  Alternatively, please fill out the contact form for an immediate callback personally from Beth Gearhart.

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Gearhart Law Group the best in GA hands down!!!

Words can’t express how thankful I am for such a superb team! From the very beginning Beth waisted no time, she executed every step of the way. I never had to worry. Gearhart Law Group made me feel like I was there most important priority and not another file you just throw away on the desk. From finding doctors and getting the best treatment possible Khristy, your a trooper thank you so much. Gearhart Law Group the best in GA hands down!!!

D. Evans

5.0
2018-05-16T13:40:58+00:00

D. Evans

Words can’t express how thankful I am for such a superb team! From the very beginning Beth waisted no time, she executed every step of the way. I never had to worry. Gearhart Law Group made me feel like I was there most important priority and not another file you just throw away on the desk. From finding doctors and getting the best treatment possible Khristy, your a trooper thank you so much. Gearhart Law Group the best in GA hands down!!!

I would highly recommend Beth to anyone needed a Workers Compensation Lawyer.

From the moment I called Beth, I knew I had made the right decision. She returned my initial phone call very promptly and was sensitive to my case and situation. I had an injury in Georgia, but live in New York so the case was complicated and unique. I found her to be extremely knowledgeable about Georgia Workers Compensation laws which is what I needed assistance with. I would highly recommend Beth to anyone needed a Workers Compensation Lawyer.

Client Testimonial

5.0
2018-05-16T13:40:08+00:00

Client Testimonial

From the moment I called Beth, I knew I had made the right decision. She returned my initial phone call very promptly and was sensitive to my case and situation. I had an injury in Georgia, but live in New York so the case was complicated and unique. I found her to be extremely knowledgeable about Georgia Workers Compensation laws which is what I needed assistance with. I would highly recommend Beth to anyone needed a Workers Compensation Lawyer.

Would have given her 10 stars if possible!

Highly recommend Beth for WC claims! I was ALWAYS able to talk to her when I called and she responded to my emails very quickly. She was able to get us a very fair amount and did not just tell us what we wanted to hear, she was very honest! Would have given her 10 stars if possible!

B. Atwater

5.0
2018-05-16T13:29:37+00:00

B. Atwater

Highly recommend Beth for WC claims! I was ALWAYS able to talk to her when I called and she responded to my emails very quickly. She was able to get us a very fair amount and did not just tell us what we wanted to hear, she was very honest! Would have given her 10 stars if possible!

It turned out to be the best decision I have made in a long, long time.

I got injured at work. Trying to deal with the insurance company became overwhelming mainly because I needed surgery and they would not respond to my calls or emails. I researched local attorneys and decided to choose Gearhart Law Group mainly because it was smaller, I liked the information I read and I felt I might get more individual attention. It turned out to be the best decision I have made in a long, long time. Beth Gearhart made me feel as though I were her only client. She responded to my emails immediately, every time. She explained the whole process from the beginning and everything unfolded exactly as she explained it would. The process took time but I received the surgery I needed and in the end was very surprised by the large financial settlement I received due to Ms. Gearhart’s expertise. I highly recommend Gearhart Law Group.

R. Draine

5.0
2018-05-16T13:27:43+00:00

R. Draine

I got injured at work. Trying to deal with the insurance company became overwhelming mainly because I needed surgery and they would not respond to my calls or emails. I researched local attorneys and decided to choose Gearhart Law Group mainly because it was smaller, I liked the information I read and I felt I might get more individual attention. It turned out to be the best decision I have made in a long, long time. Beth Gearhart made me feel as though I were her only client. She responded to my emails immediately, every time. She explained the whole process from the beginning and everything unfolded exactly as she explained it would. The process took time but I received the surgery I needed and in the end was very surprised by the large financial settlement I received due to Ms. Gearhart’s expertise. I highly recommend Gearhart Law Group.
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