Home » Hurt at Work? Don’t Trust Your Company’s Insurance Company

Hello, readers! My name is Eric Kirkpatrick, and I am an attorney at Kirkpatrick Law Offices in Belleville, Illinois. Today, I want to delve into a topic that has become increasingly prevalent in my practice: whether or not to put your trust in your company’s insurance company regarding your personal injury case. The reason I am revisiting this subject is as a Belleville Personal Injury Lawyer who handles workers comp cases, I’m seeing a growing number of individuals who have encountered a common issue. Many believed that their employer’s insurance company would have their best interests at heart, only to face complications down the line.

The Trust Trap

Over the past six months, I’ve witnessed an alarming trend. Countless individuals have approached me with the misconception that their employer’s insurance company would seamlessly handle their medical care. This false sense of security often arises from a long history of positive treatment by their employer. However, the reality is far from ideal.

The Reality Check

In Illinois, it’s crucial to understand that you are not obligated to accept the doctor chosen by the insurance company or your employer. Many large companies have a predetermined list of doctors or clinics, often referred to as work care or occupational doctors. Politely declining and choosing your own medical professional is within your rights.

Choose Your Care Wisely

When it comes to ongoing treatment, Illinois law allows you to select two doctors of your choice, along with any reasonable referrals from those doctors. Be cautious when the insurance company suggests a doctor, as their interests may not align with yours. Too often, individuals find themselves in a predicament where the recommended doctor disputes the connection between the injury and the workplace accident.

The Authorization Conundrum

If you do find yourself in an emergency care situation at a recommended facility, be vigilant. Do not sign any authorizations that grant your employer access to your medical information without consulting a lawyer. This seemingly innocent act can spiral into a legal nightmare.

Surgery Approval Woes

One of the most common pitfalls occurs when individuals anticipate the insurance company will readily approve necessary surgeries recommended by their chosen doctor. Unfortunately, this assumption often leads to frustration and delays. Waiting for surgery approval can extend for months, leaving the injured party without clarity.

The Solution: Seek Legal Counsel

In light of these challenges, my advice is clear: do not blindly trust the insurance company, even if your employer has been a paragon of fairness. Understand that, post-injury, you become a financial concern for the insurance company, and they aim to minimize costs. Seeking legal counsel early in the process can help you navigate these complexities.

Conclusion

In closing, I urge you to be proactive. Contact a workers’ compensation lawyer, ask pertinent questions, and arm yourself with knowledge. Trusting your employer’s insurance company blindly can lead to significant setbacks in your case. Remember, education is your greatest ally in the realm of workers’ compensation.

Thank you for taking the time to read this blog post. If you have any questions or concerns, don’t hesitate to reach out. I’m here to help.

Best regards,

Eric Kirkpatrick
Kirkpatrick Law Offices

(618) 239-6070

The Kirkpatrick Law Office proudly serves clients as a personal injury lawyer in St Clair County, Illinois and a personal injury lawyer, coal mine injury attorney, industrial accident lawyer, workers compensation and construction accident lawyer in Belleville, Illinois and other areas of Southern Illinois including but not limited to Carbondale, IL, Goreville, IL, De Soto, IL, Murphrysboro, IL, Freeburg, IL, Coulterville, IL, Hecker, IL, Waterloo, IL, Sparta, IL, St. Clair County, IL, Madison County, IL, Johnson County, IL, Randolph County, IL, Clinton County, IL and other Southern Illinois locations.

We typically assist injured workers and people with neck injuries, back injuries, knee injuries, shoulder injuries, elbow injuries, carpal tunnel syndrome, people requiring back surgery, coal mine injuries, union worker injuries, iron worker injuries, boilermaker, pipefitter and laborer injuries, those hurt as a result of construction accidents, road construction, semi-truck accidents, cell phone drivers, discrimination, warehouse injuries. We also help people hurt in nursing home injuries while lifting patients in nursing homes or other medical facilities.