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Insurance company tricks: a round-up of what you need to know

You pay for an insurance policy. In return, the insurance company is supposed to protect you and your property from loss or damage.

That doesn’t always happen.

Insurance company tricks and tactics

One insurance company created a full “3D” strategy

There’s a strategy insurance companies use to try to keep your money: deny your claim, delay payment, and then put up a defense against your case.

If you need to file an insurance claim, you need to know about this insurance company tactic: Delay. Deny. Defend.

Did the insurance company send you to a “preferred service provider” for post-accident repairs?

Insurance companies may direct to mechanics who will use cheap, off-brand parts to repair your car after a wreck.

You could be driving a very dangerous car: How insurance companies sell you “aftermarket” car parts.

Will your car accident claim affect your insurance cost?

If you pay your auto insurance premiums, you shouldn’t be charged more to actually use the service for which you paid.

Some companies claim “accident forgiveness”: but one car wreck can have a big affect on your insurance bill.

Medical bills and liens: how insurance companies try to make you pay

Your health insurance will cover your medical expenses after an accident.

Personal Injury Protection (PIP) will kick in when you file an accident claim.

Those insurance companies may file a lien against your injury claim: will you need to pay them back? How to handle the medical bills after a car accident.

It will save you $25 or so on your insurance payment, but it could cost you a lot more. Opting out of some insurance policy provisions is a bad idea: here’s why.

Denial of claims and bad faith

“Bad faith” means the insurance company is denying coverage or benefits to a policyholder who is rightfully owed that insurance coverage.

When your accident claim is unfairly denied, the insurance company could be “acting in bad faith”.  Insurance company denials, bad faith, and what you can do about it.

They could have just done the right thing, and paid out a $250,000 insurance policy five years ago. Allstate refused. Here’s what happened: A $22 million-dollar bad faith lesson for Allstate.

Remember, it is your right to talk to an attorney before you sign any insurance company documents.

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