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

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

Archive