Insurance Investigation

Will Your Personal Injury Lawyer Find All the Insurance Available for Your Accident?

When you have a serious injury worth more than the insurance policy, it’s important that your attorney knows how to find insurance policies that the insurance company is not disclosing.

Your lawyer will file a claim with the insurance company which will respond with the insurance information. But how do you know if there is another insurance policy providing more money?

Has your lawyer found all of these insurance policies?

  • $million dollar umbrella insurance
  • Additional insurance policies
  • Verified the correct insurance policy limits

If you call another attorney, ask:

  • How he or she can search for other insurance.
  • In how many cases did the lawyer find insurance coverage which the insurance company lied about and can the lawyer prove it by showing you documents?

We Catch the Insurance Companies When They Try to Hide Insurance!

Most attorneys do not know how to search for other insurance, but we do, and we provide copies of the documents below proving we have found insurance companies trying to cheat our clients.

We occasionally find an insurance company trying to hide the existence of $million dollar umbrella insurance. Umbrella insurance provides at least $1M of insurance but can provide $5M, $15M, or more.

In one car accident case, we found a 2nd $100,000 insurance policy, on the same car, that GEICO claimed didn’t exist.

In another case, although we’re sure they would say it was just a mistake, the insurance company repeatedly lied about the policy limits! (see the insurance company letters below).

In some other cases, we found million-dollar umbrella insurance policies that the insurance companies didn’t tell us about. This can more frequently occur when the car’s insurance company has both the main insurance policy and the umbrella insurance policy. But we have also found insurance companies not telling us about umbrella insurance taken through a different insurance company. It is important to find umbrella insurance quickly.

Smart attorneys will have the defendant’s insurance company get an affidavit of no other insurance so you can void the release if more insurance is later found. The problem is that once your case is settled, no one will ever know if there was additional insurance.

See How This Client Could Have Been Cheated Out of Insurance

Our client was injured in a motorcycle accident when he was hit by a car.

The letters below show how the insurance company, GEICO, told us the car’s insurance policy was provided $100,000 coverage for our client.

Later, when we discovered a second GEICO insurance policy providing another $100,000, GEICO sent a second letter claiming that the insurance policies would pay pro-rata with $50,000 from each policy and the total coverage was still only $100,000.

We did not believe they could pay only 1/2 of each policy and we demanded that GEICO provide us with a copy of the underwriter’s file. We then received the third letter from GEICO admitting that the total coverage is $200,000!

What happened? GEICO’s insured sold her car to a relative and didn’t stop the insurance coverage until several days later. In the meantime, her relative hit our client. GEICO tried to his this double coverage from us, but we found it. Read the GEICO letters below!

GEICO Insurance letter advising of $100,000 insurance coverage for the accident (click on image for full size)
insurance company letter acknowledging claim

After we found an additional insurance policy, GEICO advised they will pay pro-rata, and the total insurance is still only $100,000 (click on image for full size)
insurance company letter advising they will pay pro rata

GEICO’s 3rd letter shows they finally admitted the total insurance is $200,000 (click on image for full size)
insurance company letter advising we were right

Finding the additional insurance policy was extremely important to our client because he suffered serious injuries worth more than both insurance policies.

See How This Client Could Have Been Cheated Out Of Insurance

In this case, 21st Century Insurance repeatedly told us on the phone that the insurance coverage limit was $50,000. Then they sent us a letter stating that it was $50,000.

We sent an affidavit of insurance coverage to the insurance company to forward to their insured and they sent back to us their own affidavit form printed by 21st Century Insurance and actually had their client lie swearing that the insurance coverage is $50,000/$100,000!

Then we got the insurance policy declarations page proving they lied! Read the papers below from 21st Century Insurance!

The letter claiming the policy limit is $50,000 per person (click on the image for full size)
Insurance letter showing $50,000 coverage

Sworn affidavit of insurance coverage printed by 21st Century Insurance which they asked their policyholder to sign stating the coverage is $50,000 per person (click on image for full size)
Insurance Affidavit

Actual insurance coverage declarations page shows the coverage is really $100,000 per person (click on image for full size)
Insurance Declarations Page

Our client had a serious injury to his leg, and the insurance company tried to cheat him out of $50,000!

How Do We Search For Insurance Coverage and Umbrella Insurance?

Of course, we search the DMV for insurance coverage, but any competent personal injury lawyer will do that. There is also a national insurance database called CLUE (Comprehensive Loss Underwriting Exchange) that has every policy listed, like your credit report.

We have confidential methods of searching CLUE. Unfortunately, personal injury lawyers are not allowed to search CLUE so we can’t say how we do that. That’s how we find insurance policies that insurance companies try to hide.

Phil Franckel is a well-known personal injury lawyer in New York since 1989. He is a Founding Partner of 1-800-HURT-911, LLP®, the Personal Injury Dream Team™, and a former Member of the Board of Directors of the New York State Trial Lawyers Association. He has an Avvo Top 10  Rating, Avvo Client’s Choice Award with all 5-star reviews, Avvo Top Contributor Award, Multi-Million Dollar Trial Lawyers Award, and others. See Mr. Franckel’s bio for areas of expertise.

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Philip L. Franckel, Esq. is one of the HURT911® Dream Team™ Founding Partners at 1-800-HURT-911® New York; He has a 10 Avvo rating; Avvo Client’s Choice with all 5-star reviews; Avvo Top Contributor; and a former Member of the Board of Directors of the New York State Trial Lawyers Association.

1-800-HURT-911® Founding Partner and Personal Injury Lawyer Rob Plevy, Esq.

Founding Partner Rob Plevy, Esq.

Robert Plevy, Esq. is one of the HURT911® Dream Team™ Founding Partners at 1-800-HURT-911® New York. Rob began his legal career in 1993 as an Assistant Corporation Counsel defending The City of New York against personal injury lawsuits.

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