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How do insurance companies know about pre-existing conditions?

In today’s world information about each of us is easily stored, shared and is accessible to almost everyone if they know where to look. Insurance companies know about all injury victims’ preexisting conditions or prior accidents or injuries they do research.

As soon as an insurance company receives notice of your accident and that they now have a claim which may require them to pay money, they will put the injured person’s information (such as their name, date of birth or social security number) into their system and begin to do extensive research with the goal of finding any information about you that will help them pay out as little as possible to the injury victim on their claim.

Here are examples of the types of information that the insurance company will find out about you shortly after any type of accident is reported to them in order to minimize their financial exposure to you in the case (including automobile, slip and fall, or workers’ compensation accidents):

  • Prior automobile accidents, including how many, when, the severity of the impact and the exact injuries sustained and/or treated medically
  • Prior slip and fall accident(s)
  • Prior workers’ compensation claims, accidents or injuries
  • Prior sports injuries
  • Prior health insurance claims
  • Prior PIP or Personal Injury Protection insurance claims
  • Prior medical treatment or complaints to doctors or hospitals
  • Prior surgeries or hospitalizations
  • Prior law suits you were involved in either as plaintiff or defendant
  • Bankruptcy filings
  • Criminal Record(s)

You should always remember that insurance companies have tremendous resources and they use those resources to do extensive background checks on nearly everyone that files a claim against them in order to minimize the amount of money that they have to pay you.

Therefore, after you’ve been injured in any type of accident including automobile, slip and fall or work accident, you should always consult with and attorney prior to ever speaking with anyone from the insurance company. Additionally, you should always consult with and hire a personal injury attorney in Miami or Fort Lauderdale with the knowledge and experience handling personal injury cases that is necessary to protect you and fight for your rights and against the insurance company.

Speak with a Personal Injury Attorney in Miami or Fort Lauderdale to Discuss Your Rights and Responsibilities

The attorneys at Payer & Associates have been specializing in the handling of automobile accidents, personal injury and workers’ compensation cases for more than 20 years. Our attorneys are lifetime members of both the Million Dollar Advocates Forum and Multimillion Dollar Advocates Group Forum (less than 1% of U.S. lawyers are members). Our attorneys personally handle each and every one of their personal injury cases and make themselves personally accessible to all of their clients and their loved ones in order to provide you with the professional service you deserve.

If you have been seriously injured or lost a loved one in an automobile accident, personal injury or workers’ compensation accident in Miami or Fort Lauderdale and have questions or concerns about your legal rights and responsibilities you should contact the personal injury and workers’ compensation attorneys at Payer & Associates today by calling: (786) 509-7484; (954) 463-2111 or 305-854-4442 for your 100% confidential free consultation with one of our aggressive accident attorneys.

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