10 Benefits of Handling Your Own Personal Injury Claim

1. No lawyer will ever know your case better than you do
2. Only you can know the extent of loss and suffering
3. No one is going to fight harder for your case than you
4. You can give your case top priority regardless of how big or small it may be
5. You won’t have to worry about working with an incompetent or dishonest person
6. You know that your best interest will be top concern
7. The middleman is cut out and you won’t have to wait on back and forth communication
8. Delay tactics of lawyers are no longer
9. You won’t have to worry about being stuck in a non-working relationship
10. You don’t have to pay any attorney fees!!!!!

How To Deal With An Insurance Adjuster

1. Take notes – you can be legally liable if you RECORD the conversation in audio or video format, but you are free to keep notes. In my case, once I felt like I was being jerked around by the insurance adjuster dealing with my case, I began a journal recording all conversations, phone conferences, meetings, numbers, expenses, keeping all receipts and so-on. No one else will do it for you and you will be in big trouble if you need to recollect a certain detail one day and have no record and/or receipt of it in your notes. Simply said, you cannot remember it all, but you better believe when I tell you that you will need all the details you can recall.

2. If the insurance people seem to be difficult from the very beginning, please understand for your own sake, that it will only get worse. Get a lawyer. Continue reading How To Deal With An Insurance Adjuster

Who Will More Than Likely Get the Runaround From Insurance Companies?

If you are breathing – First of all, it is nearly a given that if you are breathing and you are attempting to get your insurance company to pay up, you will get the runaround. They will employ some tactic to get you to settle with the least amount of loss to their pockets and this will involve getting you to agree on an amount quick, but drawing out the payment process until the last hour.

HEY IF THEY GIVE YOU THE MONEY, THEY CAN’T MAKE ANY INTEREST OFF IT.

If you are a woman – I know this is a sexist statement, but I have found that there is great prejudice towards females when it comes to a situation in which you are negotiating. Whether you are buying a car, coming to an agreed price on selling an item or reaching a settlement, most times a male will have the more dominant advantage. Therefore, if you have the opportunity for your husband or male presence in your life be your voice for negotiation, you will more than likely be better off.

You might think that the victim card may be one to play and a female will have the greater advantage, but THIS IS NOT TRUE. Insurance personal are trained to leave ALL EMOTIONS out of the deal. I don’t know how, but they truly are trained to be cold blooded. But I guess you would be too if your job depended on it.

If you are young or look young – Going up against an inexperienced person is a plus for any type of negotiator. And most of the time if you are young it is true that you do not know your rights and might take an unfair settlement by being easily tricked to do so.

If you are insecure – If you do not speak with confidence or have any type of non-verbal behavior that suggest you are non-confrontational, this is a red flag that you can be taken advantage of. If you want to get any type of fair settlement you will have to overcome any type of insecurities or social challenges. Suck it up and it will pay off.

Take some Confidence Training if you have to.

Tactics Your Lawyer May Use To Get You to Settle

Remember that lawyers much prefer out of court settlements because this goes as a win on their record as opposed to rolling the dice and possibly having a loss in court.

 They may scare you will possible future fees of court, depositions, mediation, travel expenses etc, etc so that you will take the settlement. This is true especially if your lawyer knows your financial situation.

 If your lawyer is aware of financial struggles, they may attempt to use a settlement offer as an incentive for you to be able to pay your expensive and incurred medical bills so that you are not turned over to collectors and therefore having much greater expenses.

 Your lawyer may try to tell you that your case is not worth more than the settlement amount and you should quickly take the first offer. Remember, the quicker you take the offer, the quicker the lawyer gets paid and can move to their next victim.

 Time is money for a lawyer and they will most definitely attempt to convince you that if you do not take an out-of-court settlement then your case could possible draw out for years.

 After further review of your case and closer examination of your doctors’ reports it is their opinion that the opposing counseling has a better argument for a jury, so you should take the settlement offer.

 If your lawyer tells you they will go pro bono just to get you to settle, this is a big red flag that something is not right. Lawyers just don’t give up the opportunity to get paid.

 And if your lawyer says they are going to quite on you if you don’t settle this is an even bigger red flag and grounds for disbarment.

 Again your lawyer may use another type of scare tactic that there is a Statue of Limitations coming up and we will need to settle. Of course this is not true, but if you are not aware of the law, then you are overly trusting of your lawyer.

 They pay play the trust card in which they say I’m doing what’s in your best interest and just trust me because I have done this for “x” amount of years. So I’m telling you to settle.

 Or they may use their excessive knowledge and experience to point out that you don’t know what you are talking about and should take their advice. In a polite way, they are calling you an idiot.

If you feel that your lawyer is working against you and constantly trying to get you to settle, there is probably a reason. Perhaps they are incompetent and need to be fired, or they may be in a type of dual relationship with the apposing counseling. But regardless of the excuse, don’t be blinding by these overly used tactics. Only settle if you feel that it is in your best interest.