Car accident

Today’s topic is about knowing that no one is going to interrogate you like your own insurance company. But in reality, the bigger insurance companies don’t do this, they do not do this as much as small insurance companies. However, the smaller insurance companies and I’ll just throw it out there, Windhaven, Ocean Harbor, Infinity, they are the bigger ones that do this the most. The reason why is because they like to collect premiums and they don’t like to pay out whatever they need to payout. Recorded Statement So, just put them on blast, but whenever you get in a car accident, or whenever you’re injured, whatever the case is, they want you to do a recorded statement. With the recorded statement they’ll ask you a series of questions. While these smaller companies, they try to not pay you as far as your benefits. So they’re looking for anything they can ask you on the recorded statement and the problem is that you have to give the recorded statement by law because you have a contract with these people and if you do not comply with the contract basically they can drop your benefits. But they’re trying to drop your benefits regardless. So, the idea here is that they’re trying to figure out if you said something in your application and reality is something different. So, while you fill out your application you say a couple of things like there’s a questionnaire and things like that. But then whenever you are involved in an accident they’ll go over painstakingly, every single item. Where do you live? Who do you live with? What did you do when you were in second grade? They go so deep because they’re trying to catch you in some sort of discrepancy. It could be a small technical error and then they cancel your policy and they call it fraudulent misrepresentation. But they call it that and basically the reason why they call it that is under fraud, they can cancel your policy because it’s under the pretenses of fraud. And in fraud voids contracts. And by voiding your contract they can void your policy. And they can void the payment. They can make it seem like you never had insurance ever with that company. So that’s why they call it Fraudulent Misrepresentation. Fraudulent Misrepresentation It literally could be that you had somebody that doesn’t have a car, doesn’t drive, doesn’t do anything like that, but they might be like 14 years old that lives in the house. Well, they’ll say, “He lied to us about it, therefore we’re dropping your policy.” “Oh, you stayed at your dad’s house for 3 months and not at this house, oh you don’t qualify for your policy.” So, they are looking for all these little minute reasons to drop you whenever they can and this happens again with the small insurance companies for the most part, and they really will go through this long, long extended process. I’ve realized that because whenever we’re trying to do, when I deal with these smaller companies a lot of times, those, and I call it, it’s not a deposition, it’s not an examination of law, but they’re almost like those in-depth questionnaires that I can’t even call and talk. I can object sometimes, but it’s not like in court that I can object a few different things. They really will go down so deep just to find out one little thing to drop you. Again I mean, if they can figure out that somewhere on the application, somewhere there is a mis-rep- there’s some sort of discrepancy, could be small whatever, they’ll say, “Listen, you committed fraud”, which is not true, “but in the pretenses of the application you committed fraud, therefore, you should, we should not pay your policy”. Tampa personal injury lawyer Edward Reyes represents people in Tampa and Hillsborough County, Florida who have suffered an injury in an incident or accident type of accident. Speak Directly to Me, At No Cost, Today – (813) 421-3411. So, that really does happen on a regular basis. We will deal with that in the smaller companies where when I talk to them, instead of having a conversation that should only last 10 minutes, maybe 15 minutes max cause they should be asking just about the actual accident itself, the incident itself, not about all this extra stuff that’s they’re trying to cover up, or not cover up I didn’t mean to say that word. Not all these things that they’re trying to bring up. But the reason why they bring up all this extra stuff, these smaller companies, is to avoid paying the policy. They’re looking for discrepancies. So, nobody’s going to investigate you harder than your own insurance company, depending on your insurance company, to try to cancel the coverage that you’ve been paying for god-knows how long, for how many years, for how much. Get Help So, if this legal tip helped, please share with others, feel free to comment below I would love to hear your stories. If you have any questions about any other legal questions, please feel free to send me a message. (Transcript from the video, transcribed but not reviewed)