1. No immediate treatment
Waiting for to treat gives the insurer an opportunity to argue that “you waited to treat because the injury was not significant”.
2. Lots of prior claims
A few bad eggs fake injury claims for a living. So, a pattern of injury claims raises suspicion.
3. Financial motivation to falsify
Persons with bad credit, lots of outstanding bills or past recent bankruptcy, in an insurer’s view, are under financial pressure to falsify a claim.
4. Prior or subsequent injury
A prior or subsequent injury is an opportunity for an insurer to shift blame.
Credibility is king. Nothing guts credibility like exaggeration of injury. Juries hate it too.