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NYC Travel Insurance Fraud Lawyers
Travel Insurance Fraud: How It Occurs and What Can Happen Next
People who travel for business or for personal reasons know the benefit of securing travel insurance. This type of coverage can help with the losses incurred due to delays, lost luggage, unexpected medical situations, and a number of other events. Like other forms of coverage, travel insurance providers may be the victims of fraud. Understanding how this can come about and what sort of repercussions can result can help anyone facing an accusation of fraud to understand what is happening and how legal counsel can aid in dealing with the charge.
What Forms Can Travel Insurance Fraud Take?
Most of the fraudulent attempts to make use of travel insurance revolve around filing claims that are not legitimate. The details of the claim may be completely false or they may be some basis in fact with certain bits of information omitted or others added. With any approach, the goal is to successfully file a false claim that results in a payout to the insured party. Depending on who is involved with the attempt, others may also benefit by receiving a portion of the benefits or payments from the insurance company.
If you are looking for a lawyer that listens, is aggressive where needed, and holds his word above all else, Todd is the best pick. I had hired multiple attorneys prior to hiring the Spodek Group for a white collar case. The first thing that stood out to me was the cost, as anyone going through the process and dealing with the system, money was tight at that time - especially after hiring and firing multiple lawyers. The cost was not as high as others which was definitely a plus. Todd's intake process was also unlike other attorneys. He took the time to actually listen. He cared. He was trying to put himself in my shoes while I was explaining the situation to him and he really took the time to understand the whole situation. Other lawyers will give you 15 mins and send you a retainer agreement. Not Todd, I think he spent almost two hours with me as I was explaining everything.Not only was he great during the onboarding process, he was supportive and very informative through the entire plea process and eventually sentencing. After hiring him, I asked if I should hire a prison consultant, he told me to save my money as he would do everything they would. He was right and held up to his word. Later on I would hear from others that went with the prison consultants that they were a waste of money - I am glad I listened to Todd!When it came time for sentencing, two days prior to sentencing, the prosecutor tried increasing my proposed prison time by almost double - apparently a normal move. Todd and his team worked with me non-stop through the weekend prior to sentencing to ensure that I was not given additional prison time. Again, he took the time to listen and came up with a strategy to explain the case with great detail.Unfortunately, I did plead guilty as that was my best option. Todd and his whole team wrote up nearly 300 pages of a summary of what happened and why I should not be given prison time. If I breakdown the amount I spent with Todd versus the amount of work that I saw being done, I am shocked I was not charged four times as much. The other benefit was, a lot of criminal defense lawyers were just a single attorney with a paralegal or two. Todd had a team of people that I dealt with (5-7 people that I interacted with), but he was ALWAYS accessible. It would never take him more than an hour to reply unless he was in court.I was sentenced to prison and I was emotionally distraught. Todd and his team did whatever they could even after sentencing to make sure I was alright. He personally stayed in touch with my family to ensure I was doing alright and offered support to them. Most lawyers would consider the job complete at sentencing, not Todd.After prison, Todd still spent time with me to make sure I was on the right track and avoiding any potential risks in the future. He has also been giving advice on how to navigate probation etc and has not been looking at the clock for billing.Although I wish I had never been arrested in the first place, I am glad I had Todd and his team in my corner. Without them I likely would have had to spend a lot more time in prison than I did.Thank you, Todd, and the entire Spodek Law team, for helping turn what was a nightmare into a manageable situation!
I am immensely grateful to the entire team at Spodek Law Group for their unwavering dedication and exceptional expertise throughout my case. From our initial consultation to the final resolution, their professionalism and tireless advocacy made all the difference. Their strategic approach and attention to detail instilled confidence in me every step of the way.Thanks to their hard work and commitment, we achieved a truly favorable outcome that exceeded my expectations. Not only did they navigate the complexities of my case with precision, but they also provided invaluable support and guidance during what was undoubtedly a challenging time. I cannot recommend Spodek Law Group highly enough, especially attorneys Todd Spodek and Claire Banks; they are beacons of excellence in the legal profession.YSP.
Todd, Ralph and Alex are amazing. Helped my husband get from a double digit number with multiple charges to a single digit, by the time I blink he will be out. They very professional and help with all your needs. They dealt with my anxiety and worry very well and they understand that your family member needs to get home as soon as possible.
Believe every single review here about Alex Z!! From our initial consultation, it was evident that Alex possessed a profound understanding of criminal law and a fierce dedication to his clients rights. Throughout the entirety of my case, Alex exhibited unparalleled professionalism and unwavering commitment. What sets Alex apart is not only his legal expertise but also his genuine compassion for his clients. He took the time to thoroughly explain my case, alleviating any concerns I had along the way. His exact words were “I’m not worried about it”. His unwavering support and guidance were invaluable throughout the entire process. I am immensely grateful for Alex's exceptional legal representation and wholeheartedly recommend his services to anyone in need of a skilled criminal defense attorney. Alex Z is not just a lawyer; he is a beacon of hope for those navigating the complexities of the legal system. If you find yourself in need of a dedicated and competent legal advocate, look no further than Alex Z.
I don’t know where to start, I can write a novel about this firm, but one thing I will say is that having my best interest was their main priority since the beginning of my case which was back in Winter 2019. Miss Claire Banks, one of the best Attorneys in the firm represented me very well and was very professional, respectful, and truthful. Not once did she leave me in the dark, in fact she presented all options and routes that could possibly be considered for my case and she reinsured me that no matter what I decided to do, her and the team will have my back and that’s exactly what happened. Not only will I be liberated from this case, also, I will enjoy my freedom and continue to be a mother to my first born son and will have no restrictions with accomplishing my goals in life. Now that’s what I call victory!! I thank the Lord, My mother, Claire, and the Spodek team for standing by me and fighting with me. Words can’t describe how grateful I am to have the opportunity to work with this team. I’m very satisfied, very pleased with their performance, their hard work, and their diligence.Thank you team!
I recently had Spodek Law Group represent me for a legal matter in NYC and I am thoroughly impressed with their services.Alex Zhik secured the best possible outcome for my case.It was a seamless journey from the initial consultation to the resolution of my legal matter. From the moment I spoke to Todd about my case, his enthusiasm to help was evident, setting a positive tone for the entire experience. The efficiency and professionalism displayed by the team is commendable.A particularly noteworthy aspect of their service is their user-friendly portal to upload your documents/evidence. This not only simplified the process, but showcases their commitment to streamline the client experience.Lastly, in an industry where legal fees can often be a concern, I found their pricing to be very reasonable, making needing legal assistance feel accessible and stress-free.I am grateful for their support and wouldn't hesitate to turn to them again in the future.
One of the more classic examples of travel insurance fraud has to do with obtaining medical treatment while on a trip. The patient may go to a local clinic or other medical facility and actually see a doctor. When the time comes to submit a claim for the services rendered, the claim is sweetened or embellished in some manner. Most often, the scope of the treatment is claimed to be more comprehensive and complicated than what the patient actually received. The result is that the insurance company provides a greater payment to the medical facility or the insured party, depending on who submitted the claim.
Another example has to do with claiming that luggage was lost when in fact it arrived on time and was not damaged. Depending on the terms of the coverage and how those terms relate to the contents of the luggage, the payout can be significant. When the attempt to defraud the insurance company is successful, the traveler still has possession of all the belongings plus the money for what was purportedly damaged property.
Claiming theft of property is another common approach with travel insurance fraud. In this scenario, the claim is that something of value was stolen from the luggage, a hotel room, or possibly during a robbery attempt such as a mugging. This type of fraudulent activity can become even more involved, since it usually means filing a report with the local police as well as contacting the insurance provider.
What Sort of Penalties Result from Travel Insurance Fraud?
If the fraud is detected at any point, the perpetrator will have to deal with less than pleasant circumstances. The best case scenario is that the fraud is detected during the evaluation of the claim and before any funds are disbursed. That will often lead to a rejection of the claim and a cancellation of the coverage. The individual will find it difficult to receive coverage from that same provider again.
When a payout has already taken place, investigators will work closely with the local authorities to confirm that fraud was committed. This can lead to criminal charges that involve repaying the amount received, probation, and possibly time in jail. Assuming the individual is found guilty, there is also the possibility of a civil suit along with the criminal action.
Accusations When the Claims are Legitimate
While there is no doubt that travel insurance fraud does take place, not every allegation has a basis in fact. The allegation may arise from the fact that the claim was incomplete in some manner, but free of any attempt to defraud. In these situations, identifying the cause for the allegation and seeking to resolve the issue makes it possible to move forward with the claim evaluation.
Being accused of filing a claim with the intent to commit fraud is nothing to take lightly. Along with the immediate legal troubles, a conviction could also make it impossible to obtain the same type of coverage from any other carrier. There is also the matter of the conviction showing up on background checks and preventing the individual from being able to secure employment.
Never take accusations of this type lightly. Seek out legal counsel and listen closely to the advice of the travel fraud lawyer. Under the best possible circumstances, whatever led to the allegation can be defused and the matter settled without anyone having to go to court.
