Their goal is to decrease the amount of money that they have to pay to those making a claim.
Workers’ compensation insurance is a mandatory type of coverage that a company in Missouri has to have to cover their workers should they be injured while working. The insurance company, however, is like any other insurance company. Their goal is to decrease the amount of money that they have to pay to those making a claim. They do this by trying to limit what they will and will not pay for by trying to catch workers who might be making erroneous claims or falsifying their injuries altogether.
If you are injured while you are working and file a claim for workers’ compensation, it is not uncommon to be questioned by the insurance company. Before you supply them with any answers, it is important to know what you should and should not say to ensure that they don’t end up minimizing your compensation due to something you said.
What You Should Never Do
When talking with an insurance company it is important never to guess or give any opinions about the events surrounding the incident. If they ask you questions, stick to the facts only. If you give them any wiggle room by providing them just cause to question your claim, you may be left uncompensated for your injuries.
Before you answer any questions, know that their main goal is not to get you the compensation you deserve, but to decrease their liability. They will seek to do so by trying to poke holes in your story. Social media is another way they will attempt this.
It might be alluring to tell the story of what happened to you at work, but one of the first places insurance companies usually turn to when they are investigating a claim is to an employee’s social media. If you are posting pictures, telling stories or even posting videos, stop until the case has been resolved. Not only can the insurance company use your videos to prove that you weren’t injured or that your injuries were less severe, but they can also use your story and words to prove that you weren’t truthful.
What You should Do
If you are denied coverage, don’t just assume that you can’t fight against the decision. If you are denied compensation, then you do have the right to appeal the decision. If you do want to fight against the ruling, then you will need to talk with a St. Louis workers’ compensation lawyer to help plead your case. An attorney will have the necessary experience to figure out how to get the decision overturned and get you the compensation that you need.
Contact a St. Louis Work Injury Attorney
If you are injured while working and file a claim for workers’ compensation, then it is critical that you don’t do things that might put your injuries into question. Before you talk to the insurance company, it is a good idea to consult a St. Louis workers’ compensation lawyer.
Our Missouri Workers’ Compensation Attorneys can provide you with the necessary information to make the right choices so that you can receive the best medical care, benefits and income. You should be receiving treatment for ALL of your injuries, not just the ones the insurance company wants to accept. Do not let the carrier deny you benefits.