Why You Shouldn’t Trust Insurance Companies to Handle Your DBA Claim Fairly

If you’ve been injured while working overseas under a U.S. government contract, filing a Defense Base Act (DBA) claim is supposed to provide financial and medical support. However, insurance companies don’t always play fair when handling DBA claims. Their goal is to protect their bottom line—not to ensure you receive the compensation you deserve.

Understanding the tactics insurers use to deny, delay, or reduce claims can help you protect your rights and secure the benefits owed to you.

Common Insurance Company Tactics in DBA Claims

Many injured workers are shocked to find their DBA claim delayed, disputed, or outright denied by insurance companies. Some of the most common tactics include:

• Claiming the Injury Is Not Work-Related – Insurers often argue that your injury occurred outside of work or isn’t severe enough to qualify for benefits.
• Disputing Medical Treatment – Some insurers refuse to approve necessary medical care, claiming that certain treatments are “unnecessary” or not covered.
• Delaying Payments – Insurers may stall claim approvals or wage replacement benefits, putting financial strain on injured workers.
• Pressuring Workers to Settle for Less – Many insurance companies offer lowball settlements, hoping you’ll accept less than what you’re entitled to.
• Challenging Psychological Injury Claims – PTSD, anxiety, and other psychological injuries are frequently disputed, even when well-documented by medical professionals.

Why You Need a DBA Lawyer to Handle Your Claim

Dealing with an insurance company on your own can be overwhelming, especially when you’re recovering from an injury. Hiring a DBA lawyer ensures that your rights are protected and that you receive the full compensation you’re entitled to.

A skilled DBA attorney can:

• Gather Evidence – Medical records, witness statements, and employment documentation are crucial in proving your case.
• Negotiate with Insurance Companies – Your lawyer can push back against unfair delays or denials, ensuring you receive your benefits.
• Represent You in Hearings – If your claim is denied, an attorney can fight for your rights in court.

How to Protect Yourself When Dealing with Insurers

If you’ve been injured and are filing a DBA claim, follow these steps to avoid common insurance company traps:

1. Report Your Injury Immediately – Delays in reporting can give insurers a reason to dispute your claim.
2. Seek Medical Attention from a DBA-Approved Doctor – Some insurers try to discredit medical opinions; working with a DBA-experienced doctor strengthens your case.
3. Keep Detailed Records – Maintain copies of medical records, accident reports, and any communication with your employer or insurer.
4. Consult a DBA Attorney – Don’t sign anything or accept a settlement before speaking with a lawyer who understands the DBA claims process.

The DBA Lawyers at Friedman Rodman & Frank Can Help You Obtain the DBA Benefits You Deserve

Insurance companies may try to minimize or deny your claim, but you don’t have to fight alone. At Friedman Rodman & Frank, we help injured workers get the compensation they deserve. Call us today at (305) 448-8585 for a free consultation and let us protect your rights under the Defense Base Act.