What should I do if accused of lying on an insurance claim? - 2024 - FEDERAL LAWYERS [2024] (2024)

What should I do if accused of lying on an insurance claim?

Contents

  • 1 What to Do If Accused of Lying on an Insurance Claim
    • 1.1 Why Insurers Investigate Claims
    • 1.2 Don’t Panic – Get Legal Help
      • 1.2.1 How a Lawyer Can Help
    • 1.3 Be Honest
      • 1.3.1 Examples of What to Tell Your Lawyer
    • 1.4 Try Settling Out of Court
      • 1.4.1 When Settlement May Not Be Possible
    • 1.5 Build Your Defenses
      • 1.5.1 Lack of Intent
      • 1.5.2 Unclear Policy Terms
      • 1.5.3 No Harm Done
    • 1.6 Be Prepared for Trial
    • 1.7 Consequences If Found Guilty
    • 1.8 Avoid Future Problems
      • 1.8.1 Ask Your Agent or Lawyer If Unsure
    • 1.9 References

Being accused of lying on an insurance claim can be scary. But try to stay calm. Getting defensive won’t help. Instead, be cooperative and get legal advice.

Why Insurers Investigate Claims

What should I do if accused of lying on an insurance claim? - 2024 - FEDERAL LAWYERS [2024] (1)

Insurance companies investigate claims to prevent fraud. But honest mistakes can look suspicious too. Like if you forget some medical history or get a date wrong.

If the insurer thinks you lied, they might deny the claim and cancel the policy. You could even face criminal charges for insurance fraud.

Don’t Panic – Get Legal Help

Being accused feels scary and unfair. But getting angry won’t convince the insurer you’re honest. Stay calm, be polite, and get a lawyer experienced with insurance disputes.

A good lawyer can review the case and help protect your rights. Having an advocate on your side makes the process less intimidating.

How a Lawyer Can Help

  • Review the claim details and help build your defense
  • Communicate with the insurer to clarify confusion
  • Negotiate a settlement to avoid court
  • Represent you if the case goes before a judge

Be Honest

Lying again or hiding information will make you look very guilty, even if the original “lie” was an honest mistake.

What should I do if accused of lying on an insurance claim? - 2024 - FEDERAL LAWYERS [2024] (2)

Christine Twomey

2024-03-21

Just had my Divorce case settled 2 months ago after having a horrible experience with another firm. I couldn’t be happier with Claire Banks and Elizabeth Garvey with their outstanding professionalism in doing so with Spodek Law Group. Any time I needed questions answered they were always prompt in doing so with all my uncertainties after 30 yrs of marriage.I feel from the bottom of my heart you will NOT be disappointed with either one. Thanks a million.

What should I do if accused of lying on an insurance claim? - 2024 - FEDERAL LAWYERS [2024] (3)

Brendan huisman

2024-03-18

Alex Zhik contacted me almost immediately when I reached out to Spodek for a consultation and was able to effectively communicate the path forward/consequences of my legal issue. I immediately agreed to hire Alex for his services and did not regret my choice. He was able to cover my case in court (with 1 day notice) and not only was he able to push my case down, he carefully negotiated a dismissal of the charge altogether. I highly recommend Spodek, and more specifically, Alex Zhik for all of your legal issues. Thanks guys!

What should I do if accused of lying on an insurance claim? - 2024 - FEDERAL LAWYERS [2024] (4)

Guerline Menard

2024-03-18

Thanks again Spodek law firm, particularly Esq Claire Banks who stood right there with us up to the finish line. Attached photos taken right outside of the court building and the smile on our faces represented victory, a breath of fresh air and satisfaction. We are very happy that this is over and we can move on with our lives. Thanks Spodek law 🙏🏼🙏🏼🙏🏼🙏🏼🙌🏼❤️

What should I do if accused of lying on an insurance claim? - 2024 - FEDERAL LAWYERS [2024] (5)

Keisha Parris

2024-03-15

Believe every single review here about Alex Z!! From our initial consultation, it was evident that Alex possessed a profound understanding of criminal law and a fierce dedication to his clients rights. Throughout the entirety of my case, Alex exhibited unparalleled professionalism and unwavering commitment. What sets Alex apart is not only his legal expertise but also his genuine compassion for his clients. He took the time to thoroughly explain my case, alleviating any concerns I had along the way. His exact words were “I’m not worried about it”. His unwavering support and guidance were invaluable throughout the entire process. I am immensely grateful for Alex's exceptional legal representation and wholeheartedly recommend his services to anyone in need of a skilled criminal defense attorney. Alex Z is not just a lawyer; he is a beacon of hope for those navigating the complexities of the legal system. If you find yourself in need of a dedicated and competent legal advocate, look no further than Alex Z.

What should I do if accused of lying on an insurance claim? - 2024 - FEDERAL LAWYERS [2024] (6)

Taïko Beauty

2024-03-15

I don’t know where to start, I can write a novel about this firm, but one thing I will say is that having my best interest was their main priority since the beginning of my case which was back in Winter 2019. Miss Claire Banks, one of the best Attorneys in the firm represented me very well and was very professional, respectful, and truthful. Not once did she leave me in the dark, in fact she presented all options and routes that could possibly be considered for my case and she reinsured me that no matter what I decided to do, her and the team will have my back and that’s exactly what happened. Not only will I be liberated from this case, also, I will enjoy my freedom and continue to be a mother to my first born son and will have no restrictions with accomplishing my goals in life. Now that’s what I call victory!! I thank the Lord, My mother, Claire, and the Spodek team for standing by me and fighting with me. Words can’t describe how grateful I am to have the opportunity to work with this team. I’m very satisfied, very pleased with their performance, their hard work, and their diligence.Thank you team!

What should I do if accused of lying on an insurance claim? - 2024 - FEDERAL LAWYERS [2024] (7)

Anthony Williams

2024-03-12

Hey, how you guys doing? Good afternoon my name is Anthony Williams I just want to give a great shout out to the team of. Spodek law group. It is such a honor to use them and to use their assistance through this whole case from start to finish. They did everything that they said they was gonna do and if it ever comes down to it, if I ever have to use them again, hands-down they will be the first law office at the top of my list, thank you guys so much. It was a pleasure having you guys by my side so if you guys ever need them, do not hesitate to pick up the phone and give them a call.

What should I do if accused of lying on an insurance claim? - 2024 - FEDERAL LAWYERS [2024] (8)

Loveth Okpedo

2024-03-12

Very professional, very transparent, over all a great experience

What should I do if accused of lying on an insurance claim? - 2024 - FEDERAL LAWYERS [2024] (9)

Bee L

2024-02-28

Amazing experience with Spodek! Very professional lawyers who take your case seriously. They treated me with respect, were always available, and answered any and all questions. They were able to help me very successfully and removed a huge stress. Highly recommend.

What should I do if accused of lying on an insurance claim? - 2024 - FEDERAL LAWYERS [2024] (10)

divesh patel

2024-02-24

I can't recommend Alex Zhik and Spodek Law Firm highly enough for their exceptional legal representation and personal mentorship. From the moment I engaged their services in October 2022, Alex took the time to understand my case thoroughly and provided guidance every step of the way.Alex's dedication to my case went above and beyond my expectations. His expertise, attention to detail, and commitment to achieving the best possible outcome were evident throughout the entire process. He took the time to mentor me, ensuring I understood the legal complexities involved to make informed decisions. Alex is the kind of guy you would want to have a beer with and has made a meaningful impact on me.I also want to acknowledge Todd Spodek, the leader of the firm, who played a crucial role in my case. His leadership and support bolstered the efforts of Alex, and his involvement highlighted the firm's commitment to excellence.Thanks to Alex Zhik and Todd Spodek, I achieved the outcome I desired, and I am incredibly grateful for their professionalism, expertise, and genuine care. If you're in need of legal representation, look no further than this outstanding team.

Google rating score: 4.9 of 5, based on 736 reviews

Tell the full truth to your lawyer so they can give good advice. Being open now can help avoid bigger troubles down the road.

Examples of What to Tell Your Lawyer

  • Any facts you omitted or stated incorrectly on the claim
  • Reasons why omissions/errors happened
  • All medical history related to the claim
  • Any past insurance claims you’ve filed

Try Settling Out of Court

Fighting an insurance fraud case in court can be lengthy and expensive. Many cases settle through negotiation between lawyers before going to trial.

Settlements often have better outcomes too. Instead of harsh all-or-nothing verdicts, settlements can lead to:

  • Lesser penalties
  • Avoiding policy cancellation
  • Partial reimbursem*nt of claim

With an experienced lawyer negotiating for you, settling often makes the most sense.

When Settlement May Not Be Possible

If the insurer believes you intentionally tried to mislead them, they may refuse to settle. Then your lawyer can help build legal defenses and represent you in court if needed.

Build Your Defenses

There are defenses that could help you fight or reduce the charges, such as:

Lack of Intent

If errors resulted from an honest misunderstanding rather than deliberately misleading the insurer, you may be able to reduce or avoid penalties. Your lawyer can argue you never meant to misrepresent facts.

Unclear Policy Terms

What should I do if accused of lying on an insurance claim? - 2024 - FEDERAL LAWYERS [2024] (11)

What should I do if accused of lying on an insurance claim? - 2024 - FEDERAL LAWYERS [2024] (12)

If the insurer’s application materials or questions were unclear, it weakens their argument you intentionally lied. Your lawyer may claim the insurer shares some blame.

No Harm Done

If your mistakes on the form didn’t affect the claim outcome or amount paid, it helps show there was no real harm or fraud. This can also lead to reduced consequences.

Be Prepared for Trial

If settling out of court isn’t possible, your lawyer will defend you at trial. This means:

  • Gathering evidence and documents to support your case
  • Interviewing any witnesses from your side
  • Preparing testimony to tell your version of events

Having an experienced trial lawyer gives you the best chance at success. Many cases also settle shortly before trial, so be ready for that possibility too.

Consequences If Found Guilty

If found guilty of insurance fraud, either through trial or settlement, you may face:

  • Fines up to $10,000 or more
  • Jail time in serious cases
  • Restitution payments to the insurer
  • Future difficulty getting any insurance
  • Permanent criminal record

These high stakes make having a strong legal defense extremely important.

Avoid Future Problems

Once your current case closes, be very careful on future insurance applications. Always answer questions fully and accurately.

Disclosing information upfront prevents issues later on. If you’re unsure about any question when applying, discuss it with the agent to avoid misunderstandings.

Having been accused of fraud also means insurers will look at your applications more closely for some period of time. Reduce risk by being extra transparent about your history.

Ask Your Agent or Lawyer If Unsure

If any part of an application is unclear when reapplying for insurance, ask your agent or lawyer to help fill it in accurately. That keeps you safe in case questions ever come up again about a claim.

References

Insurance Fraud Overview

California Penal Code on Insurance Fraud

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