Questionable Moves by Long-term Disability Insurance Providers

Insurance companies are not charities. They are businesses. As such, they will do anything they can to put in as much money as possible and put out as little as possible. So, when you are claiming for a long-term insurance coverage, you should be wary of certain insurance company behaviors.
Some moves look like they will benefit you, but they will actually cause you more harm. There are moves where you don’t get what you rightfully deserve. This can be an ethical and legal dilemma, and it all boils down to money.

Making outrageous demands

If you are filing a long-term disability insurance claim, arguably the most important thing to have is medical evidence that you are truly disabled. This may include regular visits to a specific physician, medical records from this specific physician, and official opinions from, again, this specific physician.
But there are instances where insurance companies will make more demands, often unnecessary and outrageous, so you will be discouraged in pursuing your claim.

Delaying the claiming and granting process

Insurance companies really want to discourage you in pursuing your claim. Aside from making outrageous demands, they may also delay the entire process to achieve their goal. It may be understandable if the process is taking much time, but if there are suspiciously frequent delays, such as in terms of getting the proper documents and studying them, you should be suspicious.

Denying valid claims

Even legitimate long-term disability insurance claims can get denied. There are many reasons for this, like when the insurance company has overlooked some aspects of your claim, such as the severity of your medical condition, or when you have not provided enough medical evidence to make your claim stronger.
But there are times when even the claims that are properly written, timely submitted, and sufficiently backed by medical evidence can be denied, and that can be suspicious. But at least, according to the website of Fields Disability, those who have denied claims can make appeals.

What is Distracted Driving?

Each year, thousands of people are injured and a lot more are killed due to car-related incidents involving a distracted driver. Distracted driving is increasingly becoming a major problem in the country. In fact, this problem is so biting that each day, 1,153 people are injured and 9 are killed in the U.S. because of it.

Attorneys at the Sampson Law Firm stated that a distracted driver behind the wheel is more prone to committing poor driving practices. These practices include speeding, failing to use signals when turning, not checking blind spots when merging or switching lanes, and not yielding the right-of-way to traffic on the intersecting road. These practices, unfortunately, may result in injurious, sometimes even fatal car crashes.

Distracted driving has three main types:

  • Visual distractions – Distractions that take the driver’s eyes off road. Sending texts and emails are examples of visual distractions. However, some visual distractions can be seen along the road. Attention-grabbing outdoor advertisements and road accidents are just some that could take your eyes off road.
  • Manual distractions – Manual distractions are those that take your hands off the wheel. Sending text messages and manually dialing a number on your mobile phone are examples of manual distractions. Because your hands are off the wheel, you are not able to respond quickly to traffic situations, making you at higher risk of accidents.
  • Cognitive distractions – These are distractions that take your mind off driving. When you compose an email or text message manually, you do not only take your eyes and your hands off driving; you are also disengaging your mind from the road.

The Centers for Disease Control and Prevention said that in 2011, almost one-fifth of car-related incidents in the U.S. were associated with distracted driving. This had prompted the Federal government to enact some measures to raise awareness about the dangers of distracted driving and to keep it from occurring. For instance, a 2011 ruling by the Federal Motor Carrier Safety Administration and the Pipeline and Hazardous Materials Safety Administration banned the use of any hand-held mobile device among commercial drivers carrying hazardous materials.

Automobile Accidents

Cars are apart of our everyday life. Even in cities where public transportation is available, millions and millions of people rely on their cars to get to work, home, and other places. This puts countless drivers on the road, unfortunately, making the road ways an often dangerous place. Millions of accidents occur every year and many times people are injured in these accidents to no fault of their own. Many Oklahoma personal injury lawyers know all too well that automobile accidents kill tens of thousands and injure millions more annually.

The recent onslaught of rain and other torrential weather across the US has put drivers at an even bigger risk for accidents. Slick roads is just one of the causes for car accidents but the reasons can range from drunk driving to automobile defects. No matter the reason, according to the website of Habush Habush & Rottier S.C. ®, these incidents can leave victims facing serious financial troubles due to medical treatment and property damage expenses as well as lost wages. This can leave the victim not only dealing with the effects of the accident, but suffering with expenses that can last for years to come.

However, victims of car accidents are not just people behind the wheel. The website of LaMarca Law Group, P.C. lists other victims of car accidents as pedestrians and bicycle riders. Pedestrians and bicyclists face serious danger sharing the road with motorists and can sometimes face even worse injuries than those driving an automobile as even a minor car crash can prove catastrophic for the victim not driving the car.

Even with an increased awareness of the dangers of operating a motor vehicle, accidents are still extremely numerous across the nation. It seems as long as motor vehicles are the most popular mode of transportation we face the risk of accidents and, sadly, the injuries that go along with them.