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.


Recent Posts


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