@@dontburstmybubble686 sure, then you'd pay out of pocket for everything. you could also get an insurance company that hands out money without question, but your premiums would be 3x what they currently are. It sucks how much work it is to get money out of insurance companies, but the reason for that is that A) the thing being covered is expensive, B) there /are/ people out there milking insurance. Their profits are in the single digits, even if they just broke even with 0 profit, payouts would be at most 9% higher than they currently are.
I read on a comment somewhere from an alleged lawyer: "Do you know how the average person feels about lawyers? Well thats how lawyers feel about insurance companies."
Pretty much anybody forced to work with insurance companies agrees. Ask any doctor, lots of them if you ask the least favorite part of their job it’s working for insurance companies.
I worked in a bodyshop for a few years and dealt with various car insurances daily. It's a total shitshow but once in a while you run into a jaded adjuster that's ready to burn their place down and they're absolute bro's lol.
@@joey3336 yeah; but imagine all the people driving nice cars because they literally just prevented their employers from paying for granny’s broken back…
I know. It's ridiculous because for every person with an actual injury there's 7 more in a low speed fender bender with "back pain and whip lash" which is why it's like this. I too hate greedy insurance scammers.
My own insurance provider refused to cover my injuries after an uninsured driver hit me and totaled my car, and caused my freshly healed from surgery back, to require additional surgeries. First, they claimed i didnt have coverage for an uninsured driver. I pointed out i had been PAYING for that coverage, per my billing statements, so if i didnt have it, they needed to pay back those charges. Then they claimed my back injury was prexisting, and the accident hadnt caused it. Then they got all upset and confused when i canceled my policy immediately after winning the court case against them.
That first claim is so easily proven false! Why even try that?! What insurance company was this? Name and shame! I would also like to never buy from them.
@@chairofthebored this wouldn't be health insurance, this would be Car insurance covering a medical claim for a vehicular injury. Many of them may try to do this, but honestly the level of ridiculously easy to prove false claims they made makes me think this is a step worse than the normal.
They try everything they can to wear you out because some people do actually give up on trying to get their payout. Insurance conpanies point to those dropped cases as "definitely fraudulent" when, as we can see here, they are probably commiting fraud more frquently than their claimants.
@@CreativityNull Progressive. I have had similar experiences with Nationwide and State Farm. Currently i have AAA, and i havent had any issues with claims.
This is why you bring a 2nd lawyer with you, one that specialises in defamation cases, as the more BS the insurance company tries to pull, the bigger their grin will get.
Maybe for injuries, for property my entire job was to pay people's claims based on the merits of the claim. I was never not one single tike urged to "not pay claims" in any way. My job was to follow the relevant laws. Most people don't know what the policy they pay for actually does and is though so they end up angry qhen they find out rot isn't covered.
@@kaboomwinn4026 Wouldn't it be better to just have a government post do it? Do we really need a middleman here? Same thing with health insurance, people say that without it we wouldn't have a good healthcare system, but taking money from taxes to pay for healthcare is literally health insurance but they actually always pay up, and they don't take a cut of the profits too.
@@shaneallard6008 That's literally what they have in Europe, you can comment on the wait times all you want but they sure ain't any shorter here, nor are good doctors any more common in America compared to them.
When the Smiths deny it, wait for them to go inside then throw it through their window. "Ball has your name on it. Seems like you did it to yourself." 🤷🏻♂️
Multiple different things, all of which are illegal. Probably taking the totaled car and catapulting it at the company headquarters is most similar.@@obadakhalid713
@@AC-cl7tlIf the insurance people say "we believe your back was already hurting before", then they are making the claim and burden of proof should be on them.
@@AC-cl7tlthey are making the case it happend before you are making the case it didn't...they have to prove it happend because you are making the negative claim
@@SirStrangefolk the burden of proof is always on the plaintiff, ie the person who wants something to happen. Your statement makes no sense, because 'my back wasn't hurting before' is a claim, too, so 'can you prove your back wasn't hurting' is just asking you to prove the claim you're making. 'X happened' and 'X didn't happen' are both claims, so under your logic, both sides have the burden of proof.
@@voskresenie-”my back hurts since x” you don’t have to prove your back didn’t hurt before x, only that it does now. That is your claim. They are counter claiming it must have hurt before… so they have to prove it didn’t just hurt now.
I work in a doctor’s office that handles quite a few personal injury cases and I can speak from experience that insurance is genuinely a scam and they will do anything and everything they can to not pay. It’s disgusting.
@@rianweston-dodds6247 unfortunately the terms “government” and “best intention for the victim” are usually mutually exclusive. That isn’t to say that our current system isn’t messed up, but I don’t think the government will make it any better, especially considering how they have handled trying to do so for veterans with the nightmare that is the VA
My brother actually won a personal injury case because an insurance company tried to pull this. He, I and, our other brother all fight in the field with real weapons and armor. Not HEMA but, same idea. Anyway, we all get medical checkups all the time. Some of which is documented. So, when a stack of palettes fell on my brother because of a rushed stack job the insurance company tried to claim he was already injured. Probably because of all that fighting he does. They asked if he could prove otherwise and he had record of a clear physical from literally that morning. LoL :)
He won because they couldn’t fight anything. If he didn’t have that he would have been drug through the mud. It’s just a question to know wether or not it’s worth getting resources to fight this. That’s people on their side forming data against you to win if you have proof they can spend more time wasting someone else’s time.
I used to work for the UAW, next to the disability rep's office. GM contested every claim. "Oh, you need hearing aids because you worked in a drop forge for years? But did you ever go hunting?" Building cars eight to twelve hours a day takes a toll, as well as accidents. People who filed claims for back injuries were often treated skeptically by their own union brothers and sisters ... until they wrecked their own backs. Then they'd be like, "Ohhh, I get it now."
My dad got hit by a drunk driver years ago and the accident really messed up his back. He has been running marathons, weight training and playing pickup basketball multiple times a week prior to the accident and could hardly get up from the couch to go to the bathroom afterwards. The insurance companies lawyers tried to cite a claim he made 15 years prior where he hit a deer and totaled his car, getting a nasty cut that required stitches in the process as proof that he was at fault for the accident, then claimed that he was in all this pain prior to the accident because he was over weight (he wasn’t, he just had a lot of muscle mass). The judge fortunately sided with him but that day made me realize that some lawyers who try to gaslight victims into allowing the corporations that employ them to scam people are genuinely horrible people.
My wife had an accident where a patient destroyed her knee and the workplace insurance didn’t cover it because she couldn’t prove the accident caused the damage since she had surgery on that knee 10 years ago.
Don't forget the part where they literally send people to pull up to the victims house in order to do surveillance and get "evidence" that the person isn't injured. Like the victim claims they have back pain but the insurance "spies" take pictures of the victim throwing out trash and then claim in court that it can't be that bad because the victim was "lifting heavy stuff" Or they go trough your social media and if they see you on a party they gonna claim that you can't possibly have pain if you're smiling and having fun at the party. These things are REAL things which happened and have been done by REAL insurance companies!
Bro I swear insurance companies like this should be shut down. They be letting people suffer over money and they are so cheap with it. Also the fact they use tactics to try and cheat you out of getting money for your injury to pay off stuff so they can have more money is insane.
I was on a civil jury years ago. A lady was suing someone, and we by the way sided with her within 10 minutes of going back into the jury room because it was just so cut and dried it should have never come to court. But the very first thing the defense lawyer did was point out the fact that she sued someone 18 years ago and called her litigious happy 🙄
If something is privatized it shouldn't be required; we should either move to a model where auto insurance gets paid to and pays out from a federal agency OR no longer require auto insurance
Not saying you're wrong, nor that I have an answer. But considering the levels of fraud that take place under government held insurance (eg unemployment), private insurance companies are simply over-correcting albeit to their own benefit. It would be tantamount to transforming the fraud insurance companies engage in by not compensating deserving rate-payers, into the fraud some engage in filing fake entitlement claims, which fall upon tax-payers. Perhaps the lesser of two evils, but be wary of what you remove from the free market and turn over to government control. Regulation might be a good middle-ground.
@@roboleg2911Regulation will never happen. These insurance companies practically write the laws. Americans irrationally fear the government having control of anything so much that they’d rather have a corporate-puppeted government.
@@roboleg2911while I agree that my main concern would be in the possibility that whatever government organization was made responsible for handling something like that would act dishonestly it would be better than an insurance company handling it which is a corporation beholden to shareholders and expected to turn a profit endlessly forever because you can guarantee under the system we have where it’s required by law and it literally can’t make a profit without disadvantaging its customers they will cheat you every way they can imagine and of course it won’t change because the politicians who made it law are already bought and sold by people with a lot more money than any of us. Idk what the solution would be short of just scrapping the system and starting over but the insurance thing is a scam that’s been going on too long between the car and the health and life just the way our healthcare system works is asinine. My wife has to have shots in her eyes every six weeks so she doesn’t go blind as well as injecting a medicine every three days that would be $40k a vial so about five doses if she had to pay it out of pocket just found out her insurance isn’t covering the retinal injections so we are on the hook for like 8 grand for the ones she’s already had it’s insane I’m writing that and it just hit me that we might need a good personal injury attorney
@@roboleg2911i agree on this point, it’s useless to get rid of something that already exists, just to replace it with a worse version, we need better regulations for all insurance companies, big pharmaceuticals, hospitals and sweetened foods(like sodas and stuff)
Or sometimes they just stop covering you because you claimed too many accident in a year (even tho all the accidents happened the same day). My mother had to report multiple damages to her car after a hail storm (broken blinker light, cracked windshield and impacts on the roof). The insurance company decided to classify all the damages as different instances, and then claimed we were over the legal amount of claims allowed in our contract and so decided to drop our account. After a large amount of yelling, threats of legal actions and removing all of the family accounts, they finally decided to pay for SOME of the damages.
This happened to my mom. She fell in a large, chain fabric store and hurt her knee really bad. It was the fault of an employee for perfectly leaving a broom where it wasn't visible until she tripped at the register. 15 years later, she needs a full knee replacement and she only got very little back then, because they said she hurt it before. Her knee was perfecty fine at the time of the injury.
I work for a call center specializing in "legal intake" for multiple P.I. firms and I can say, hand to god, there are very few firms we assist that actually seem to care the way you do. I'm studying to be a paralegal and I hope I can work for a firm like yours one day.
This is odd. In Europe the insurance company demands money from the other person's insurance company. So, they don't lose money, it's the other company that loses money, not yours, with things like a car accident. And if the person in the wrong isn't insured, well he's screwed, he has to pay up.
Depends on what insurance you have in the US. Liability insurance covers the other driver when you have an accident (you are required by law to hold this insurance), but you can also get other types of coverage, which is when the worst of this happens. You do end up needing to sue the other insurance company even in the case of liability insurance pretty often though.
This right here is true. My father was in a gnarly car crash on his way home from work, some street racer clipped his bumper which sent him spiraling into a guard rail. He attempted to sue the man for all that had happened, but his insurance company apparently couldn't prove he had permanent neck injuries from the incident. Then they also with-held compensation for the crash, then our banks fought about it for 3 months, which lead to my fathers bank account being closed for sonething like a week leaving him with no paycheck and no money. In general that took about three years to be finally resolved. Thankfully he no longer works with either that insurance company or that bank.
That “you sure it wasn’t broken before that?” REALLY got me. It was basically the moment I knew I may as well let the case go unless I want to have to deal with this years and years into the future…
True, but on the other side of that coin, those insurance companies would also rather pay their legal counsel fight a claim that would be cheaper to simply pay out.
thank you. I know people that were called day after day with offers to sign a paper for a certain amount of money after a crash. The price went up and up, but the family said they wanted to get a check up before signing anything. The insurance company became very irate. Sure enough, there were some issues (one concussion and a small skull fracture). They had to prove these injuries were new and from the crash. the sadness, that their young son has a skull injury and no one is sure about what the future might hold....and dealing with an insurance company that says "You should have taken our offer as we'll fight you on this now!" (they didn't)
This is why, If not mandated, I will not purchase insurance. Instead, I deposit what would have been premiums into an investment account and boom, self insured. The longer I go w/o an incident the more $ i accumulate in that account. Yes I am fully invested in retirement as well. Interesting thing are these federally mandates for insurance "programs".
There are no federally mandated insurance programs. There are state mandated auto insurance or liability but these exist in order to assure the state that if they permit you to drive that you will be able to cover at least part of the cost you might cause others. The state really should just pool their own insurance fund that doesn’t drive profits and with any surplus they should reward drivers who haven’t had an at fault accident or driving violation in X years. The amount you pay should be dependent on how expensive and hazardous you vehicle is (so people who drive inherently dangerous things like pickups or large SUVs as a fashion choice should pay more) as well as your history as a driver and any other relevant factors. By no means should we trust individuals to have a pot of gold in escrow hidden at the end of a rainbow. Roads are shared spaces with high risk involved and it never ceases to be shocking how entitled people feel to some neurotic need for “personal liberty” at the expense of collective safety in such a place.
This would be a fight with the Smith's insurance company, not yours. This is not to say you'd never fight your insurance company if you had one, just that it's not the scenario in this video.
This is why I represent myself. When everyone else who tells you I’m trying my best to help isn’t enough, and if you want something done right Gotta do it yourself. I sat there with Farmer’s insurance because no one was willing to take a quote for my vehicle without having farmers look at it first. Since farmers never accepts a quote by any body shop. You bet I sat there and began behaving disruptly to someone started attending me. Then they wanted to say that my incident, which their client accepted the liability of, was under investigation of false accusations made by the department. I began playing hardball and didn’t waver. Now my car is fixed and I was also given $5k in compensation of having to wait 4 months for farmers to settle my case. I’m a good negotiator.
im going through 2 court cases involving me suffering bodily harm after an accident, at the same time :/ have had previous accidents that complicate things, have had 5 baaaad vehicle crashes in the past 7 years, so my body was already messed up, so it is haaaard to get compensation for the "current damage"
im gonna be a shit head for a minute, technically insurance companies have a vested interest in not paying the plaintiff, which more or less does not affect the defendant. youre right though, the closest businesses i can think of are mortuaries and dentists, which are still a far cry from what bullshit insurance companies pull, and that is saying a lot when you talk about dentists.
One of my mom's friends had an emergency appendectomy since her appendix was about to burst. First, insurance denied coverage because they didn't get prior approval; something that doesn't exist for emergencies. Then the insurance company requested proof that they didn't already have the procedure before; proof that they didn't already have their appendix removed before. 😂
Makes me feel bad for my dad, he was in 7 car accident in his life. Most were when he was a kid and his parents were driving. But the others were drunk drivers hitting him. He was just extremely unlucky
I had a civil case over a collision where I was asked to prove a negative, then found liable because I couldn’t. It’s crazy people will hear this and support it, but then on other civil cases if they’re told it indicates “guilt” 100% believe it because they were told to/it’s someone they don’t like/whatever.
As a victim of an auto accident where I am currently going through the process of a personal injury lawsuit with my lawyer, can’t say this made me much more hopeful. Thankfully I have a very good PIL at my side to help me get through this and just hoping for a just and speedy outcome
This kind of thing makes me nervous because both of my previous cars were destroyed in ways that weren't my fault but both at times when it advataged me greatly to have them written off.
I've literally had someone say "Well you *did* cut off your finger" ...I was 3, I've haven't broken a bone or a scar in the 24 years since that happened!
I had to deal with this. I was in an accident a while back and I've always had bad headaches, but after the accident they were every other day and even worse than before, and now they included neck pain. Insurance company pointed out that I'd been to the hospital a lot before for headaches and my lawyer told me that really limited how much we could realistically get in a lawsuit.
"Are you sure that your window wasn't already broken?" I said the ball came through my window, not that the window was broken. Thanks for confirming it was you. I'll send you the bill.
I hate insurance companies. My experience is with medical insurance going “I know your doctor says that it wouldn’t be impossible for this class of medications to work well enough that she wouldn’t want you to try something that is meant for your level of severity, but we are gonna make you try two of them for three months each first”
My sister had random epileptic seizures and her entire life came to a standstill after a car crash.. it took over 8 years for the insurance company to pay... unbelievable
I’m dealing with this BS at the moment and it’s so annoying. Like why is insurance being paid if it’s this difficult? Everything’s about paperwork and documentation 😩
This one is a double edged sword, because if it were the other way around, people would easily be able to claim injury even when things didn’t happen. I know of quite a few people who have gotten into car crashes and threw in a few extra things that were already broken before as though it happened in the crash
There's also the other side, such as is happening with my wife and I currently, where you legitimately messed up, got into a minor accident that didnt even scuff the paint on either vehicle, and how we're being sued for nearly $100,000 in physical injury damages, the majority of which is for "chiropractic adjustments". Some cases are BS, and insurance is trying to figure out which case are legit and which aren't
I went into an injury case not knowing what happened, how it happened, just that i was at work and that everything hurt. And even worse, if you get hurt again - now you have history so
