WHAT TO DO WHEN THE INSURANCE COMPANY REFUSES TO PAY by Attorney Matt Powell Tampa Accident Lawyer

What to do when a Car Insurance Company Refuses to Pay

The most important thing to know is the only thing that motivates insurance companies is profit. So, the only way to elicit a response from your car insurance company is via threats of profit loss.

Most people believe that insurance companies are motivated by altruistic goals and always want to do the right thing for their insureds and society. Unfortunately, that line of thinking could not be farther from the truth.

Your car insurance company is not looking to do the right thing for you, your family, or our country. When your car insurance company refuses to pay, it's because it's the right thing to do for their bottom line (profits.)

When a car insurance company refuses to pay, the only thing you can do to motivate them to pay the full value of your claim is to threaten them with a lawsuit.

Here is the car insurance company mantra:

DENY the Claim
DELAY the Claim
DEFEND the Claim

I call the insurance company mantra "The 3 D's." First, your car insurance company will refuse to pay your claim by denying any responsibility for you and your families losses.

Second, your car insurance company will refuse to pay your claim by delaying the process. They will do things like sending you on a wild goose chase for paperwork they don't actually need. Insurance companies are motivated to delay claims because they accrue interest on the money they don't pay you over time.

Third, your car insurance company will refuse to pay you by defending the claim when you file a lawsuit. They will defend the claim using their own in-house lawyers or private law firms so they can hold onto your money as long as possible.

0:00 What to do when the insurance company refuses to pay from a Board Certified Lawyer
0:09 What motivates insurance companies to pay a claim
0:14 Why are insurance companies so difficult
0:54 Putting profits over paying claims
1:28 Insurance companies are motivated by the risk of losing profits
1:44 When they refuse to pay you must threaten action against the insurance company
2:15 What is the process insurance companies use to not pay claims
2:51 Why do they deny a claim even when it is obvious they should pay
3:11 Do I have to give a recorded statement
3:24 What can I do when they refuse to pay
3:40 Why waiting to take action is a bad idea
4:00 Can't a lawyer make the insurance company do the right thing
4:15 Insurance companies have the right to put up every legal defense they can think of to deny any claim
4:30 Eventually a day of reckoning will come before a jury to hold the insurance company accountable
4:48 Delaying your claim is how they take advantage of you
5:39 How do we deal with delay tactics
6:38 The insurance company may defend claims with their in house lawyers
7:38 Insurance Medical Exams are bought and paid for to defeat your claim
7:50 Property damage defense experts are paid to defeat your claim
8:14 Insurance companies follow you around with investigators
8:20 Insurance companies search your social media
9:10 What can be done to fight these insurance tactics
9:15 File suit to protect your rights
9:24 Jury Trials are the only thing that scares an insurance company
9:40 How do I find the right lawyer to represent me
10:25 Do insurance companies take advantage of lawyers who don't go to trial
10:40 When do insurance companies loose control of a case
11:24 How can I force them to pay my claim
11:52 Do insurance companies keep track of lawyers who just settle cases to pay them less
12:34 Do insurance companies keep track of doctors and lawyers who work together
13:38 If the insurance company knows the clinic does not keep good records they will pay you less on your claim
14:00 When are insurance companies at their weakest
14:28 You have to exploit the insurance companies weaknesses and force them to trial
15:00 Insurance defense lawyers are often over worked and have too many files to keep up with a good plaintiff lawyer
15:26 What motivates a fair payment is an attorney who will file suit and go all the way
15:40 Trials are not easy and that is why many lawyers won't go to trial
16:12 What do I need in my case to motivate a fair payment
17:13 Who should I call for help

Car insurance companies place different values on claims depending on which lawyer you hire. So, you need to hire a lawyer with a track record of taking claims all the way to trial where a jury can determine the value of your claim.

Buy My Book on Amazon.
"What To Do When The Insurance Company Refuses To Pay"

This is a step by step guide on how to file your own lawsuit.

[ClockFixer]

Insurance companies are the Scum of the Earth!

[mic]

After being rear ended at a red light in 2017 its scary how much my own insurance company treats me like Im the criminal.

[toniagilmore]

they don't do the right thing . they are evil in my eyes

[dadyarusski]

Thank you so much, Att. Matt.
I loved this vlog. I was in a car accident recently, and the insurance company does not want to pay.

[bamazing]

As I wait for my trial to proceed, I take comfort in your experience, Matt.
You are phenomenal and anyone would be very fortunate to have you represent them.

[mikerichards]

Wonderfully Splendid and Fantastic video. Thank you sir for your honesty, simplicity, and legal analysis. Magnificent commentary!

[yeshpatel]

I am glad that my 17 min are not wasted. Thank you for your help, and you should make more videos. You are great! Also, if you happen to practice your law in PA, then let me know.

[betuinseattle]

Now I understand clearly about how the systems work. Thank you!

[stonedpeon]

An educational video. Thank you. I am currently negotiating with Infinity insurance for an accident that was not my fault. They totalled my car and currently screwing me. I use my car for work as I deliver for Amazon. IDK what to do but my LOSSES ARE HUGE! I am not working cause my car is unsafe to drive and I'm paying an arm and leg for my liability insurance.

[ReshardsAutomotiveWorkshop]

Amazing video! You just described exactly what the insurance company is doing to me. Will file suit as soon as possible.

[ymatgal]

Dear MattLaw: Thank you so much for sharing. I am in Canada and I sure wish you were in my city :( I am a disabled 49 year old woman, in 2015 My Eldest son Dan was in a serious MVA rollover. His seatbelt failed, his head had smashed through the glass, hitting the frame and he was crushed repeatedly into the ditch as the little car went end over end.

He survived and is a walking miracle he was determined to not let a broken neck stop him from his goals. Just prior to the accident he was just recovering from a left torn shoulder labrum, a work injury that he had to fight for months to prove and he finally got surgery. He was determined to get back to work as a Journeyman Electrician. He was pushed very hard and just six months after the car accident and reinjuring his shoulder, breaking his neck, severe issues with his back, legs, arms and left ankle. He was deemed ready to go back to work! People who break their leg often get longer times off. His body was definitely not ready and an appeal ensued.

Even though my son walked after that horrific accident and was doing very well, just 8 months after the accident he was severely abused by the very hospital that had saved his life only 8 month's earlier. He has been stuck in a Nightmare ever since.

In 2016 he had what was believed to be H1N1 and he was given an antibiotic known to cause issues for some people. He was very sick for two weeks he was unable to sleep well, was dehydrated, vomiting etc. Two weeks into his flu he had a long awaited appointment to see a a new Dr. to address the PTSD he was experiencing from his MVA. He was doing his best to deal with it but felt he needed counselling and had to prove to the Provincial Auto Insurance that he did in fact have PTSD.

He refused to reschedule his appt. because he had waited months. The Dr. having never met him, not aware of his baseline and not being told he had the flu decided he was in need of Antipsychotics, she advised the family Dr. to prescribe these meds and within 3 doses my son was taken by police and ambulance to a local hospital. He was severely adversely reacting, through errors entered by the exhausted ER Dr. they forcibly detained him for 6 weeks, imposed several more medications that he reacted to severely. We have a Genetic disorder that at the time was not fully diagnosed yet but the Dr.'s would not even acknowledge this. The Disorder causes us to not metabolize many Pharmaceuticals.

The Dr.'s completely ignored his history, they kept telling us we were in denial they didn't even believe he broke his neck. We immediately felt they had wrong information in the file. We requested repeatedly to have access to my son's file and we were delayed till several weeks after he was released 6 weeks later under an illegal Community Treatment Order that was filled out wrong. If my son were not living this, I would not believe it myself.

We found out there is another patient with the same name who is a regular Psychiatric Patient and know now that they confused my son with this other patient. A referral was even sent for the other patient with my sons phone number on it a year and a half after we got him away from the illegal CTO order and the forced medication that took several appeals in a very biased appeal system run by the hospital and for the hospital. The patient 'appointed' lawyer informed us she has been there 7 years and there is only a 2% chance of patient's winning their appeals. Clearly we chose not to go with the 'appointed' lawyer and the biased panel was very frustrating but we won and 6 months of abuse stopped but the PTSD skyrocketed.

My Son is very Tired, our Rare disorders have gotten the best of me. I am fighting on my own. The file has not been addressed properly. My son was cut off 2 years ago from any further payment despite him finally receiving a proper PTSD diagnosis in 2017 almost 2 years after the accident. Despite the long waited diagnosis of the rare disorder Ehlers Danlos Syndrome a connective tissue disorder that was not acknowledged by many physicians and had severe detrimental effects on my son. The medications he was forced are highly contraindicated with our Genetics and complaints are going in with the College of Physicians for several Dr.'s.

My son is at his breaking point and I am doing my best to fight for him, I have brain lesions and am very weak, I don't know if my health will hold out. We pleaded with them to get this to appeals so my son can finally rest his very broken body that will never mend because of genetics and the forced physio that further damaged his tendons and ligaments. Of course and the Spin Dr.'s now are now shouting Pre Existing condition. Uh no! Prior to the accident he didn't even know he had this, the injuries are caused from the accident. EDS did not cause his injuries....omg they sure do grasp at any straws.

Well I just thought I'd share this in the hopes of maybe you have a Cousin up in Canada who happens to be a Darn good Lawyer that you could Highly recommend. I know I'm now grasping at Straws but when you's Po Folk up in Canada it's hard to get a Lawya even when you got all the Defence in the World!

Well I keep Hoping cause now after 2 years stalling, just like you Said Mr. Matt Law the Insurance company wants another Independent Medical Exam done and want to send the Hospital file to the Psychiatrist. The insurance company knows he has PTSD they have exacerbated him as he is now seriously in debt and about to lose everything. The File is full of errors right from the MVA accident report saying the car did a 180 and reversed into the ditch! From beginning to end the file is riddled with errors.

I am sorry I am just so overwhelmed I have reached out all over the world but clearly we are touching to many nerves in our Gov't. Cause I have called so many places, emailed etc. No one replies. Or when they do they say sorry hope you can find help for your son. So that ends my story of a Young Man who had everything he was on top of the world and he was going places! Most Dr.'s are pretty mad when they hear he was making $59 an hour and double time on the weekends. Now he makes nothing and can never...no wonder the insurance company doesn't want to pay him out!

[francisconuno]

so helpful.... honors to you. for helping the comunity to be inform about how to act in car acidents situations... thns again.

[HalJalikakik]

Very informative & offers me (hopefully) an initial tactic to push back on the insurance company. Woman hit my older (paid for) truck and subrogating through my insurance company who wants to total my truck for a paltry settlement sum. They even boast a link to their "...Auto Buying Program..." where vehicles of similar age, mileage, and model show several examples 4x the cost of their initial settlement offer. If I even negotiate their offer to total the vehicle up by double I still am, at best, halfway to replacing my vehicle.

[MrGrifter]

I just got in a wreck
Tuesday of last week. I was on a one way street and some kid was flying off the interstate and tboned me. He didn't stop for the yield sign or anything. I call his insurance company I filed a claim with them . Somebody gave me a call back but missed it and now I keep calling and no one answers. Thanks for this information. I'm bout to lawyer up.

[dogpoochogenius]

I got very good education, from your wonderful explanation, thank you.

[yanntsala]

Thank you for your video Matt, I do have a concern my lawyer filed a demand letter 2 months ago and I still don’t have news and they do have everything medical, X-ray, MRI, I have been on medication for 2 years for my low back and my neck, I don’t know what’s going on .

[MissLionRose]

Wow!
What an eye opener.
Never wanted to be an adult anyway and now learning about all this health insurance, car insurance etc. It’s like they’re out to get ya’! 🧐

[trerob]

Thank you so much for this information!

[luislechuga]

Do you handle property insurance claims on a house ??? Cast iron pipes ??

[Osmanmadey]

Wao wonderful that's great words ever alot of time car insurance deny my claims thank you so much.