DGAA bLAWg

Insurers May Be Misusing Cell Phone Data to Deny Consumer Claims

Web Admin - Tuesday, March 21, 2017
American consumers sink millions a year into insurance coverage for their homes, vehicles, and health. The expectation is that faithful and timely payments will cover them if an accident or catastrophic event occurs. Unfortunately, many learn all too late that this is not always the case. Worse yet, some consumers have been implicated in insurance fraud cases. What basis do the insurance companies have for denying these insurance claims? What evidence do they use to press charges against their own customers? The following explains.

Cell Phone Tower Data Leads Denied Claims and Criminal Charges

Insurance companies have been using cell phone tower data to deny claims for some time now, but they have recently escalated matters, often bringing criminal charges against their consumers. An Iowa woman, whose home had caught on fire in 2014, is a prime example.At the time of the fire, the woman claimed to be with her husband and coworkers nearly 17 miles from her home, but the insurance company collected cell phone data that placed her within five to 12 miles of her home. After denying her claim, they filed arson charges and insurance fraud charges against her. She spent the next three years trying to prove that she had not been at home at the time of the blaze.

Thankfully, the woman was eventually acquitted of the charges; she and her lawyer managed proved her innocence using the insurance company’s data against them. Within just minutes of returning to the campsite, she checked her voicemail. During this call, her phone pinged a tower near the campground. Moments later, her mother called. That time, her phone pinged a tower 17 miles away. Minutes later, her husband called, and this time, her phone pinged a tower almost 20 miles away.

What does all this prove? Why does it matter? It is all just another item in the insurance company’s bag of tricks – the one they often use to deny claims. 
This goes beyond mere claim denial, though; it is bullying.

The issue is not reserved for a single company or type of claim either. A California couple is facing criminal charges for insurance fraud after they attempted to file a claim with their insurance carrier, claiming their car had been stolen. Their insurance company claims their cellphones pinged at a tower where the car was later found. Another California couple gave up on their claim after the insurance company started to insinuate they may have somehow been involved in the theft of their car. This is the goal the insurance company hopes to achieve; if they can scare their consumers, they can avoid paying out claims. That, of course, means more money in their pockets.

Protect Yourself While Pursuing Your Insurance Claim

Although you can pursue a new insurance claim or fight a denied one without legal assistance, it is highly advised that you seek experienced counsel. This will not only ensure your rights are protected during the claims process; it can increase your overall odds of reaching a positive outcome in your case. Learn more about how Drost, Gilbert, Andrew & Apicella, LLC can serve you. Call 847-934-6000 and schedule a consultation with our Buffalo Grove insurance dispute lawyers today.

Ken ApicellaAbout the Author: Attorney Ken Apicella is a founding partner of DGAA focusing in the areas of personal injury, employment, insurance coverage disputes, and civil litigation. Ken earned his J.D. from DePaul University College of Law in 1999. He has been named a SuperLawyers Rising Star and a Forty Illinois Attorneys Under Forty to Watch. Ken has written and lectured for the Illinois Institute for Continuing Legal Education and regularly serves as a moderator at Northwest Suburban Bar Association's Continuing Legal Education seminars.


Source:http://www.latimes.com/business/la-fi-insurance-claims-cellphone-20170329-story.html


Recent Posts


Tags

car accident lawyer privacy paid sick leave Rolling Meadows traffic attorney Schaumburg elder law lawyer Schaumburg criminal attorney severance agreements denial of life insurance life insurance pet law Illinois attorney car accidents food poisoning cell phone accidents Rolling Meadows criminal attorney Joliet general practice lawyers fatal car accidents insurance dispute Illinois wills and trusts Des Plaines civil attorney back injuries Schaumburg employment law attorneys Des Plaines personal injury lawyers Home Remodeling Repair Act denied insurance claims Illinois corporate lawyer Palatine workers compensation lawyer wrongful termination real estate contract Barrington workers compensation attorney Illinois red light cameras natural gas explosion Crystal Lake medical malpractice attorneys home inspection lawyer Illinois bicycle safety Rolling Meadows Traffic Lawyer denied insurance claim Long Grove estate planning attorneys BUI Rolling Meadows traffic law firm Crystal Lake criminal defense attorney Crystal Lake car accident attorney involuntary manslaughter pedestrian accident defective products Crystal Lake pet attorney drunk driving employee misclassification anesthesia errors Des Plaines insurance attorney Chicago lawyer Long Grove estate planning attorney Illinois insurance claim dispute lawyer traffic deaths Colin H. Gilbert Illinois tax attorney criminal medical marijuana comparative negligence deadly crashes Buffalo Grove employment lawyer healthcare Illinois estate planning attorney Illinois personal injury lawyer Palatine traffic accidents Arlington Heights traffic attorney Palatine corporate law attorneys Palatine insurance lawyer compensatory time slip and fall meal breaks estate planning Illinois traffic laws car accident Whistleblower Claims employees in terrorem provision probate process breathalyzer test Palatine probate lawyer Schaumburg civil litigation attorney Long Grove estate planning Illinois wills and trusts attorneys minimum wage Rolling Meadows personal injury lawyer Illinois job attorney Chicago life insurance attorney Illinois elder law attorney Deer Park workers compensation lawyer Rolling Meadows life insurance claim denial attorney jet ski Illinois probate lawyer problem employees Inverness elder law lawyer overtime pay Schaumburg personal injury lawyer Deer Park personal injury lawyer Barrington estate planning lawyer Deer Park DUI lawyer residential real estate insurance denials life insurance claim denial, denial of life insurance claim Schaumburg criminal law attorney trust payments personal injury Long Grove real estate attorney insurance negligence Illinois workplace discrimination attorney Arlington Heights injury attorney car crash injuries Arlington Heights employment attorney Des Plaines personal injury attorney employment law, Illinois employment laws Rolling Meadows Attorney truck collisions Illinois trucking safety Rolling Meadows business lawyer traumatic brain injury Buffalo Grove personal injury attorney LLCs traffic offenses Crystal Lake law firm caregiver marijuana Des Plaines real estate lawyer living trust jet ski accidents Schaumburg traffic lawyer Schaumburg drug defense lawyer Arlington Heights car accident lawyer Deer Park traffic lawyer Illinois estate planning insurance dispute attorney trench injuries insurance claim dispute murder charges breach of contract modern family estate planning clemency drug crime reckless homicide probate lawyer employee rights wrongful death rest breaks installment contracts Chicago insurance claim attorneys personal injury claim Illinois injury lawyer Palatine employment lawyer brain injury Rolling Meadows tax attorney Illinois medical malpractice claim DUI defense liability Illinois pet lawyer bad faith insurance claims Barrington medical malpractice lawyers college kids Inverness accident lawyer irrevocable trust speeding Home Sale Contingencies wills car accident lawyers Employment Discrimination Law Illinois insurance claim attorney Kenilworth estate planning attorney Illinois traffic attorney Transfer on Death Instrument Des Plaines tax law firm employment contract Illinois boating accident lawyer most common reasons for life insurance claim denials estate attorney digital media accounts, estate planning, Arlington Heights estate planning attorney, Mount Prospect wills and trusts lawyers Inverness DUI lawyer marijuana crimes attorney manufacturing child safety Illinois construction accident attorney IRA benefits commercial real estate Crystal Lake tax lawyer underinsured motorist Schaumburg injury lawyer rollover car crashes caretaker rights Illinois medical malpractice lawyers Barrington employment law attorney motorcycle accident lawyer Barrington criminal defense lawyer pizza emoji car collision Rolling Meadows accident lawyer Arlington Heights insurance attorney civil litigation attorney income distribution deducation Crystal Lake estate planning lawyer rumble strips drug crimes lawyer employment attorney drunk driving statistics workplace sexual harassment Illinois insurance lawyer Des Plaines injury law firm insurance dispute, insurance dispute lawyers, insurance claim denial, insurance claim delays, Rolling Meadows insurance dispute attorneys personal injury accidents Barrington drug crime attorney Schaumburg corporate attorney Palatine employment attorney Rolling Meadows insurance dispute lawyers, insurance dispute Rolling Meadows marijuana attorney personal injury claims Barrington boating accident attorney Rolling Meadows real estate attorney distracted driving accident victims Rolling Meadows insurance lawyer Illinois workers compensation attorney Illinois Human Rights Act Deer Park real estate law firm life insurance policy digital evidence Self-Directed IRA Accounts filing a medical malpractice claim trauma after an accident eluding a police officer comp time Buffalo Grove personal injury lawyer South Barrington real estate attorney right to work Rolling Meadows insurance dispute lawyers Inverness insurance attorney unpaid assessment DNR Colin Gilbert attorney fees Class A misdemeanor Des Plaines real estate attorney insurance denial appeals Illinois living will Schaumburg personal injury attorney condo Food and Drug Administration's Food Safety Modernization Act Des Plaines collections attorney Fourth of July cell phone tower data pet bites Illinois personal injury attorney Illinois business lawyer Rolling Meadows personal injury attorney Buffalo Grove medical malpractice lawyers Illinois estate planning law firm pedestrian-automobile accident Inverness real estate attorney contracts ken apicella FMLA auto accidents Rolling Meadows car accident lawyers employment law Crystal Lake pedestrian accident lawyer personal injury attorney DUI consent to a search dealing with problem employees rent to own real estate contracts Deer Park motorcycle accident lawyer Illinois medical malpractice case IRA trust transfer creditors estate planning lawyer federal regulations for LLCs workers comp Crystal Lake car accident lawyer product liability overtime violations Buffalo Grove criminal defense lawyer Illinois Probate Act of 1975 foreclosure Barrington personal injury attorney insurance disputes Rolling Meadows criminal lawyer deed transfer llinois Real Estate Lawyers Association gift taxes insurance disputes, Illinois insurance disputes, Illinois insurance dispute attorneys, denied insurance claims, Arlington Heights insurance dispute attorneys workers compensation benefits probate claims process commercial leasing digital assets, digital fiduciary, estate planning, digital content, Long Grove estate planning lawyers unfunded trust criminal record Arlington Heights estate planning attorney premises liability Inverness corporate attorney field sobriety test Rolling Meadows employment law attorneys Illinois Trust Code vacation home fines construction accidents, personal injury, wrongful death, Arlington Heights personal injury attorneys, workers' compensation independent contractor cause-of-death exclusions elder law sole proprietorship criminal law surgical mistakes Barrington estate planning attorney estate plan corporate law small business controlled substance Illinois DUI attorney real estate drug crimes Arlington Heights personal injury attorney Illinois real estate special needs trust trustee BAC Barrington criminal lawyer Illinois employment lawyer Illinois employment laws Barrington personal injury lawyer material misrepresentation hands free device Illinois speeding lawyer Illinois wrongful termination lawyer Palatine law firm Rolling Meadows estate planning attorney Barrington employment attorney Illinois real estate lawyer Palatine drug lawyer traffic violations defense top life insurance claim denials School Visitation Rights Act Palatine business attorney Schaumburg Attorney Exclusions preventable medical errors South Barrington real estate lawyer Des Plaines criminal attorney Inverness personal injury attorney Rolling Meadows Schaumburg estate planning attorney privacy laws IRELA Crystal Lake employment law attorney healthcare claims car crashes Illinois employment law attorneys Des Plaines drug lawyer pedestrian injuries, pedestrian fatality bicycle accidents federal crimes medical malpractice claims Jay Andrew Mount Prospect real estate lawyer boating under the influence insurance attorney traffic violations Schaumburg construction accident lawyer Crystal Lake insurance lawyer expungement capital gains tax Schaumburg medical malpractice lawyer Palatine civil litigation lawyer revenge porn owner responsibility traffic tickets Buffalo Grove real estate attorney Rolling Meadows employment attorney icy parking lots health insurance dispute spinal cord injury Illinois defective products attorney Illinois lawyer Palatine real estate lawyer dog bites pedestrian accidents Arlington Heights tax lawyer estate planning attorney new real estate form Chicago biking tips appealing an insurance claim business litigation social media after death Palatine personal injury lawyer condo association mortgage IRS medication errors Arlington Heights wills and trusts lawyer Illinois employment law firm Illinois Sales Representative Act hit and run accident trucking accidents Chicago insurance law firm POA Arlington Heights personal injury lawyer Arlington Heights lawyer Long Grove wills and trusts attorneys blood alcohol content wage theft holiday statistics medical malpractice compensation Palatine corporate attorney Illinois mortgages Illinois insurance attorney Rolling Meadows litigation lawyer Illinois will lawyer Illinois traffic accident lawyer Crystal Lake civil litigation lawyer Illinois medical malpractice attorney advance healthcare directive pay when paid contract Barrington real estate lawyer Illinois car accident attorney Schaumburg employment attorney disability benefits Schaumburg insurance lawyers subcontractor Barrington litigation attorney pregnant women insufficient documentation lapse in policy Des Plaines pet law attorney Illinois insurance claim dispute lawyers Barrington Illinois estate planning lawyer Illinois law Des Plaines drug crimes lawyer employment lawyer insurance agents boating accidents Des Plaines Traffic Lawyer uninsured motorist DUI attorney unauthorized overtime natural gas license suspension loss of consortium fiduciary rule Fair Labor Standards Act senior citizens Buffalo Grove law firm Des Plaines personal injury lawyer FSLA tax attorney elder abuse Schaumburg estate attorney Rolling Meadows employment law attorney Rolling Meadows corporate lawyer Crystal Lake traffic lawyer investment property Barrington attorney workers compensation Crystal Lake accident attorney Do Not Resuscitate Buffalo Grove probate lawyer Schaumburg car accident attorney Des Plaines accident attorney Rolling Meadows boating crash lawyer homestead rights internet guardianship attorney Palatine trusts lawyer life insurance claims construction contracts startup company Barrington employment law firm Thanksgiving Des Plaines DUI attorney Crystal Lake employment attorney Illinois Workers’ Compensation Commission boating DUI Deer Park criminal attorney job lawyers Illinois employment law attorney Rolling Meadows personal injury lawyers GM ignition switches living trust vs will Illinois driving without license civil rights violation Illinois employment law probate claims probate fees Illinois workers compensation lawyer insurance claim denial Federal Food Drug and Cosmetic Act Buffalo Grove car accident lawyer digital assets Chicago corporate attorney medical malpractice Rolling Meadows DUI lawyer estate tax Barrington business law firm changes to mortgage law Buffalo Grove insurance claim dispute lawyers Chicago estate planning construction accidents Illinois small business medical malpractice, missed diagnosis, delayed diagnosis, medical mistake, Deer Creek medical malpractice lawyers Chicago will attorney Deer Park accident attorney Illinois LLC creation Super Mario Policy Cancellation Illinois workplace lawyer low-ball insurance settlement dynasty trusts Illinois collections attorney traffic laws employee discrimination defective products lawyer insurance claim dispute attorney landlord traffic crimes Arlington Heights accident attorney Illinois home inspection cell phone fiduciary rule delay personal injury, auto accident injuries, delayed injuries, serious injuries, Des Plaines personal injury attorneys Illinois personal injury ObamaCare probate Palatine construction attorney Illinois registered agent personal injury lawyer Chicago car accident lawyer Chicago employment lawyer Rolling Meadows drug defense attorney hiring employees pain and suffering Buffalo Grove injury lawyer Inverness estate planning lawyer institutional trustee Buffalo Grove life insurance attorney insurance claims Crystal Lake traffic attorney Liquor Control Act Illinois business law atorneys Long Grove real estate lawyer Illinois employee rights attorney. Illinois civil litigation lawyer coronavirus Palatine employment law lawyer employment law, meal breaks, rest breaks, hotel employees, Des Plaines employment law attorneys Inverness probate lawyer wrongful termination, employment law, whistleblower protections, Illinois employment laws, discrimination in the workplace Kenilworth estate planning lawyer license reinstatement Crystal Lake medical malpractice law firm no contest clauses Mt Prospect Attorney DUI penalities license motorcycle accident Illinois Smoke Detector Act texting and driving Palatine injury attorney power of attorney for healthcare traumatic brain injuries Inverness injury lawyer golf accidents Palatine elder law attorney Illinois Wage Payment and Collection Act insurance claim denials Arlington Heights wills and trusts attorneys commercial leases DGAA Crystal Lake bike accident lawyer Kenilworth estate planning attorneys Arlington Heights medical malpractice lawyer head on collisions Des Plaines Palatine life insurance lawyer Palatine punch death Barrington civil litigation attorney Palatine criminal defense lawyer personal injury law firm texting while driving Arlington Heights wills and trusts lawyers preventing accidents real estate leasing foreclosed rental property life insurance lawyer Inverness civil lawyer Chicago traffic lawyer Chicago estate planning lawyer Schaumburg estate planning lawyer Crystal Lake injury attorney denial of insurance claim real estate zoning real estate attorneys Illinois insurance claims lawyers Family Medical Leave Act whistleblower protections Arlington Heights Attorney real estate closing Mount Prospect elder law attorney Palatine Attorney dram shop law Schaumburg wrongful death attorney living trust benefits Barrington life insurance lawyer suspended license CAM blended families sexual harassment insurance agent negligence murder ACA work unions Illinois personal injury lawyers Arlington Heights trucking lawyer Rolling Meadows probate lawyer financial advisors DMV estate planning, digital assets, Revised Uniform Fiduciary Access to Digital Assets Act, Illinois digital assets, Illinois estate planning, automated cars Palatine traffic lawyer Crystal Lake employment lawyer Illinois criminal defense attorney estate planning, death tax, succession plans, business estate plans, Barrington estate planning lawyers first degree murder Affordable Care Act driving Arlington Heights wills and trusts attorney underage DUI real estate attorney traffic accidents Rolling Meadows insurance attorney digital information trucking accident lawyers taxes PTSD forming a corporation in Illinois Legal Info Illinois motorcycle accident lawyer Illinois traffic attorneys Barrington Traffic Lawyer operating agreements estate planning for college students Illinois trusts attorney Illinois insurance dispute lawyers Buffalo Grove corporate attorney Arlington Heights Traffic Lawyer Crystal Lake will lawyer Palatine civil attorney drug possession swimming pools car crash underfunded trust Arlington Heights employment law attorneys products liability Crystal Lake personal injury lawyer estate planning trusts Arlington Heights car crash attorneys nursing home negligence real estate lawyer Crystal lake insurance dispute attorney Retaliatory Discharge trusts Schaumburg personal injury lawyers beneficiary complications Crystal Lake business law attorneys Rolling Meadows medical malpractice lawyers loopholes slip and fall accidents landlord tenant law BAIID liens Inverness real estate lawyer Deer Park medical malpractice attorney Chicago attorney how to avoid common denials of life insurance claims Forcible Entry Chicago will attorney, social media platforms, Illinois estate planning lawyer, Landlord Tenant Ordinance Schaumburg real estate lawyer Schaumburg Des Plaines medical malpractice attorney mass shooting sexual images Attorney Ken Apicella Chicago trucking accident attorney Des Plaines claims law firm living wills Illinois traffic ticket lawyer Des Plaines motorcycle accident attorney insurance adjusters accidental death benefits Arlington Heights TBI attorney Schaumburg probate attorney Riverwoods estate planning lawyer Deer Park traffic accident attorney Buffalo Grove traffic attorney Crystal Lake personal injury attorney employment contract, employment law, employment at-will, Deer Park employment law attorneys, contract, rollover accidents Detainer Actions Schaumburg life insurance attorney Barrington injury attorney Buffalo Grove traffic lawyers gift tax exemption, estate planning, estate planning strategies, Illinois estate planning, South Barrington estate planning attorneys bicycle dooring accidents Arlington Heights pedestrian accidents medical research unpaid overtime distracted driving accidents wills and trusts bike accident fault based insurance Chicago employment attorney Crystal Lake medical malpractice lawyer Illinois insurance disputes Illinois jet ski accident lawyer insurance claim Arlington Heights criminal lawyer crossover accidents Arlington Heights real estate lawyer Inverness traffic law firm insurance claim delay criminal defense murder defense civil litigation liability claims Illinois employment attorneys Illinois Transfer on Death Instrument Illinois drugs TBI Illinois rollover accident lawyers spinal cord injuries agent Palatine estate planning lawyer license revocation Illinois pedestrian accident attorney power of attorney Deer Park employment law attorney vacation home

Archive