If you are dealing with an injury settlement, getting the injury demand letter right is crucial. Most attorneys are experts in writing this type of correspondence, and it is always wise to speak with one of them about having them represent you and write this letter on your behalf. However, if you would like to [...]
When is the best time to start your bodily injury negotiation? Some people try to negotiate their pain and suffering, loss of consortium, and the like damages the day after the accident (some the same day). The insurance company likes this type of fellows. They know they can get a substantially discounted settlement within the [...]
Ok, let’s set the record straight. There is a right and a wrong way to file an insurance claim. What you say the day you file your claim can give the insurance company enough to decline your coverage. You must be aware of what you are doing before proceed forward.
Here is a short how to [...]
How much is your pain worth? Can we argue that your headache is $5? or $10,000? In reality, your pain is not worth more than you are willing to settle for. However, to insurance companies, pain is only worth what a jury would be willing to pay (or less).
The adjuster objective is to determine the [...]
Documenting your bodily injury claim is not very difficult if you are keeping a dairy of your injury. The claim adjuster will look over all the evidence you present. The tricky thing is that you must do it as you go, if you forget, then it will be very difficult to go back and add [...]
Do you have a question? Do not want to hire an attorney to give you answer? And the insurance company is giving you the run around?
We had several inquiries via email per day! We realized that we needed to open the forum to questions. We are writing this site as fast as possible, but it [...]
Do you need an attorney to settle your injury claim? The answer is not necessarily. There are complex claims that require you to have legal counsel. It is critical that you have consult with an attorney if have or think you have a permanent injury (or if there is a death).
Other than permanent injuries, you [...]
Settling a bodily injury claim has more to do with good negotiation skills than with legal or medical knowledge. The pure basics of any negotiation apply to this type of settlement. You want to display your strengths and hide your weaknesses.
In order to know you strengths, you need to know your rights under the insurance [...]
An injury claim is evaluated in different ways by different insurance companies. The common theme however is that insurance adjusters will be looking to buy your claim for less than what a jury would award you.
They will only look at the injury to find evidence that would add or subtract value in a court of [...]
Pain and suffering is a type of damage that you can claim in the case of bodily injury. The injury must exist. If you are in a car accident, but there is no injury then there would not be compensation for pain and suffering.
In addition, the injury must be caused by someone else’s negligence. If [...]
Permanent injuries are not difficult to identify (you have a broken bone), but their value could be very hard to determine. Many injury lawyers will tell you that you must have legal advice before attempting to settle their value. The question then becomes, does the attorney decides what your permanent injury is worth? Or does [...]
Isn’t an accident a pain on the neck? Doesn’t an accident affect your life style so much that your added stress can drive you crazy? The answer is yes.
You can claim Psychological injuries for the accident, but most jurisdictions require certain things so this claim ca be successful.
First you must be physically injured to be [...]
This is a very interesting question. Insurance adjusters seem to just call everything a soft tissue injury. They name alone would suggest that since the injury is soft, there should not be much value in this type of injury. But really what is soft?
Medically I cannot answer what is a soft tissue injury (neither can [...]
Vehicle accidents could be very hard to deal with, especially if you are missing work. We all know that dealing with insurance adjusters is not a very pleasant experience. Trying to document a claim can take a long; sometimes talking to an adjuster can take well over one hour. Are you entitled to payment for [...]
The duty of good faith and fair dealing applies to all insurance companies and in the United States. They have duties codified in every state statutes. All states are very similar since these duty arises the same place, the second restatement of contracts.
There are duties that insurance companies must fulfill when dealing with the public. [...]
