Workers comp insurance companies in Reno provide businesses with coverage in case an employee is injured on the job. These benefits are designed to cover you no matter who is responsible, but that is not always how claims work out.
The unfortunate reality is that there is no guarantee these corporations will treat you fairly. They are guided by profit, not ensuring you get the care and compensation you need. If they give you an unreasonably low settlement offer or deny your claim, our dedicated workers’ compensation attorneys at Shook & Stone will stand up for what you deserve.
Workers Compensation Insurance Providers
Most businesses are required to purchase workers’ compensation insurance in Reno, but they have the right to choose that company for themselves. Multiple carriers operate throughout the state. Some of the most common examples include The Hartford, Insureon, and Next Insurance.
Ultimately, the specific insurance company you deal with will not dramatically impact the outcome of your case. Each insurer is driven by profit, not a desire to ensure that your medical needs are addressed fairly.
If you disagree with the outcome of your claim, you have the opportunity to appeal. Many workers are able to eventually get the outcome they deserve during this process.
What if The Insurance Company Lowballs You?
If the insurance company has made an offer to resolve your Reno workers’ comp claim, but you feel the terms are unfair, you do not have to accept. You are entitled to go through the appeals process if the company ultimately issues a denial. What’s more, you have the opportunity to fight back if your claim is approved, but the amount is less than you deserve. A qualified lawyer at Shook & Stone can assist throughout every stage of this process.
Signs You Are Being Lowballed
Not sure if you are being treated unfairly? There are signs that the insurance company is trying to settle your workers’ compensation claim for less than its true value. The company could use a number of tactics to try and trick you into a settlement that is not in your best interest.
For example, an adjuster might send you an offer that does not take all of your potential compensation into account. It might arrange for medical care but fail to include anything for future lost wages.
Another sign that you are being treated unfairly is if the company applies an unusual amount of pressure to get you to agree to their terms. This could include threats that they will not pay your claim at all. Your attorney can advise you on whether or not this would result in a bad faith claim against the company.
Appealing a Denial
Your best option following an unreasonable outcome in your workers’ compensation claim is an appeal. As long as you do not accept an offer from the insurance company, you can lodge your appeal within 14 days of receiving notice of your workers’ comp claim denial in Reno. You may have more time to appeal when you dispute the value of the compensation awarded.
Learn More About Reno Workers Comp Insurance Companies
While dealing with workers comp insurance companies in Reno can be frustrating, you never have to manage your claim alone. The right attorney can help you with everything, particularly when dealing with a denied claim. Call Shook & Stone as soon as possible for a free consultation.
