7 Things Insurance Companies Do Not Want You to Know

We are going to let you in on some secrets with our over 30 years of experience and talk about the 7 things that insurance companies do not want you to know or find out:

  1. Recorded statements are taken so they can be used against you later, statements such as: the “floor was generally clean”, “the stairs looked in good repair” or “they cleaned up all that ice except in certain areas” will be used against you in court. Do not give any statements without counsel present. A personal injury lawyer is here to protect you from those who are experienced in obtaining and using incriminating statements.
  2. Insurance companies say: “there is no need for a lawyer”. This is False. A lawyer who specializes in Personal injury can help you maximize your claim. One thing that a personal injury lawyer does is to insure to get exactly what you deserve under the law. Do not hind your claim or cause you to lose money. We represent you vigorously and deserve you get every penny you deserve.
  3. It’s important to report any symptom to your family doctor. We consistently run into cases where someone will complain about a knee problem because their back hurts so badly. What inevitably happens is that your knee gets worse 3 months down the line and the insurance company takes the stand and says that the injury is unrelated to your accident as you didn’t report it.
  4. FALSE: If you have any pre-existing injuries, you won’t get any money for your injuries. The supreme court of Canada has consistently stated that if you have a pre-existing injury, it can make you easily vulnerable to aggravation. A negligent person has to take the victim as they find them. If you had a bad back before and it’s much worse after the accident, they are responsible for making your injury worse.
  5. If you are getting income through your disability carrier, you are still entitled to get topped up, in some cases, from your insurance company. This is an important point because people assume that their disability carrier, at a lower percentage, is covering their whole amount.
  6. You have a right to choose any health care provider you want. You can go to any physiotherapy clinic or doctor you choose. You do not have to attend an insurer approved or preferred facility.
  7. There are strict limitation periods in place, and once you miss them, you may be at a lock. Do not let the insurer dictate your time line and let the professionals insure your rights are protected.

Remember, insurance is a business and their business is to worry about profit margins. The lawyers at Diamond & Diamond are here to ensure you get everything you’re entitled to under the law.

If you have any questions, call us anytime for free and honest advice. You can reach us on our 24/7 support hotline at 1-800-567-HURT.

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