When you’re in a car accident and file an insurance claim, an insurance company is going to take a close look at what happened–and in some situations, your background. Just like our video says, you will be researched when you deal with an insurance company. But you don’t have to face it alone. Quirk Accident and Injury Attorneys will be there to stand up for your rights and answer your questions. Contact us today for a free consultation.
Will an Opposing Insurance Company Do a Background Check On Me?
At its core, an insurance claim after a car accident is an investigation into what happened. To that end, insurance companies have numerous resources and methods that they can use to get information on you. One of the most common is to do a background check. While you might be familiar with a background check if you apply for a job, an insurance company is going to look for specific information about you–and your claim, like:
- Consistency with your claim – They’ll compare your current injuries and damages with the details you reported to see if everything lines up.
- Prior injuries or accidents – If you’ve had similar injuries in the past, they may argue those–not the recent accident–are the cause of your condition.
- Employment and social media – They’ll look at your work history, job duties, and especially social media posts to see if your lifestyle contradicts your injury claims or lost wage reports.
- Red flags – They may review things like your criminal history or past insurance claims to look for anything that could be used to question your honesty.
A background check doesn’t mean you’ve done anything wrong—but it does mean you need to be careful. When you talk to an insurance rep for the other side, just stick to the facts, avoid exaggerating your injuries, and don’t speculate or admit fault.
How Can Quirk Accident and Injury Attorneys Help Me After a Thousand Oaks Car Accident?
Like our video says, always be brutally honest when talking with us about your past so we can put our best foot forward with your claim. That doesn’t mean you have to be perfect, and we want to make sure you’re treated fairly. Unfortunately though, insurance companies can use all kinds of tricks to devalue your claim–including using information from a background check or from your own social media against you.
There’s ways that you can protect your claim, which revolve around getting immediate medical care, reporting the accident to police, getting photos at the scene, and sticking to your treatment. But eventually, you’re going to have to file a claim to get a settlement, and our team will be there to help you by:
- Explaining your rights and options
- Helping you gather important evidence, like pictures and medical records, to use for your claim
- Fighting back against anything the insurance company does or says, making sure you have a strong claim
Most of all, we want to help you through the claims process, whether that means negotiating with the insurance company out of court or filing a lawsuit. Our goal is to make sure you have what you need to recover from the accident, and that you have financial support for your damages, which can include:
- Medical expenses
- Lost income
- Car repair/replacement costs
- Pain and suffering
- Emotional distress
- Reduced quality of life
The insurance company knows these damages can add up fast. That’s why they’ll dig into your background, looking for anything they can use to minimize your claim. But you don’t have to take them on alone. Quirk Accident and Injury Attorneys will handle everything–from paperwork to negotiations to court, if needed–so you can focus on getting better. Contact us today for a free consultation.