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


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