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 [...]
We get emails about his all the time. Here is our reply: depending of who is denying your claim, your rights can be protected. If you are making a claim against someone else insurance company, they can tell you that your claim is denied because they believe that your at fault. That is about all [...]
Adjusters tent to be pushy and cranky. They do have a big claim load and they have a lot of responsibilities in every single claim. However, that is not your fault. You pay premium for a good service and help you in a harsh time.
If the adjuster is pushy or out of line, then contact [...]
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 [...]
Insurance adjuster makes settlements based on their investigation about the facts. In many cases, adjusters will assess liability against their own insured if they believe their insurance is at fault.
Seldom adjusters will determine that they should settle a claim for 100% liability so they do not trigger “other issues”. For example, paying someone 100% of [...]
Should insurance pay for punitive damages? Many say that they should. But in reality we believe that insurance polices should afford any coverage for punitive damages. Punitive damages are those damages that a court awards to punish or to deter that conduct.
In our endeavors when looking at car accidents, we are looking at those cases [...]
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 [...]
You need a plan of attack. First learn what your case is worth in your jurisdiction. What do cases with similar facts and circumstances settle for? Ask a paralegal, a court member, or even an attorney. Then evaluate if you can settle with your claim adjuster for that price.
Make sure you read your medical records. [...]
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. [...]
