Gary M. Kazin
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Why you should never talk to the insurance company without a lawyer

Employers have workers' compensation insurance for a reason - to provide payment when their employees are injured. But remember, insurance companies are in the business of making money. When accidents occur, they will have one goal: to protect their bottom line. And that means denying claims and offering as little payout as possible.

If you've been injured at work, your employer has insurance to pay for your injuries - but that doesn't mean they are going to hand over the money. Instead, you will be questioned by claims adjusters - and everything you say will be carefully noted. If you say anything that could be interpreted in a way that makes your injuries seem less severe than they are, or that the injury occurred when you were not performing job duties, your claim may be denied. They will ask you the same, or similar, questions repeatedly on purpose and if any of your answers seem inconsistent they will use that to undermine your claim.

As a layperson, it's hard to know what you should and should not say to the insurance company. The best way to protect yourself - and your workers' compensation claim - is to defer all questions from the insurance company to an attorney. He or she will know how to communicate with the claims adjuster in a way that gets important information about your injuries across, without risking a miscommunication that could jeopardize your claim.

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