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


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