Articles Tagged with adjuster

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Huntsville Workers Compensation LawyersI talk to injured workers in Alabama every day. If you are hurt on the job, you are likely entitled to work comp benefits. Those benefits should provide needed medical care and compensation. Too often, they do not. Alabama law is very unfair. Injured workers face many problems.

I could write a book discussing the many ways our work comp laws are unfair to injured workers. I have discussed many of those issues in prior articles on this blog. Today, I want to focus on five early mistakes injured workers make that can harm their claims.

The Worker Does NOT Report The Accident (IN WRITING) In A Timely Manner

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Alabama Accident & Injury AttorneysAnother driver crashed into you. You are hurt and need help. Maybe you tried to deal with the adjuster yourself but have become frustrated! Maybe the adjuster made promises but now won’t return your phone calls. Should you consult a car accident attorney? I’ve written about that issue previously. If your injuries are minor (nothing beyond the ER) and the other driver is clearly at-fault, you can often settle those claims without a lawyer and save yourself money. The billboard and television lawyers begging for you to call will never tell you that. But, then again, those lawyers leave many clients with nothing in the end. If your injuries are significant (more than just a visit to the emergency room) or liability is disputed, a good lawyer can often make a big difference.

I’ve written several articles on this blog providing tips to help you in choosing the right Alabama personal injury attorney for your case. I won’t rehash all of them in this post. If you want some tips, search my archives.

If you suffered serious injuries, a good car accident attorney may be able to significantly increase the value of your case. If you required treatment beyond the emergency room, missed time at work or suffered a lingering injury, you should definitely talk with a skilled attorney. By skilled, I mean a lawyer who regularly prepares these cases for trial — Not the attorneys you see on billboards or the attorneys who handle everything.

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Through the years, I’ve written numerous articles discussing ways insurance adjusters work to decrease or diminish the value of your claim. If you are looking for a specific topic, I encourage you to search the blog archives. We’ve addressed many accident and injury topics. If you cannot locate an answer to your questions, let us know. We are happy to discuss your issues.

Below, I’ve attached a recent slideshow detailing three simple tricks insurance adjusters use. The slideshow focuses on Alabama car accident injury claims. However, adjusters use many of the same tricks in workers’ compensation claims.

Here is our slideshow:

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Does-The-Insurance-adjuster-ignore-you-300x300You suffered a sudden accident at work. You are hurting. You need treatment. Questions, worries and fears race through your mind. Will I heal? Can I keep my job? When can I see the doctor? How can I pay my bills? How does work comp work? I’ve heard all the questions. I’ve heard all the frustrations. I counsel injured workers almost every single day.

Today, I want to discuss one of the most common frustrations — The insurance adjuster will not respond or return your calls. Nothing is more frustrating! If you are hurt and frustrated by an adjuster who will not respond, you are not alone. In both Alabama car accident cases and workers’ compensation claims, this is a very common problem. Adjusters bombard you when they need something or when they are pushing you to settle for a small amount. When you need something, they disappear.

Why do insurance adjusters ignore your calls? Let’s look at four primary stages in a work comp claim when adjusters disappear. What are these four primary stages of a work comp claim? Why are you being ignored? How can you respond?

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Blackwell Law Firm -- Alabama Accident & Injury AttorneysYou suffered a car accident caused by another driver. You are injured. Suddenly, you face many questions. How can I get needed medical care? Will I heal quickly? What happens if I lose my job because I’m hurt? How will I pay my medical bills? How will I deal with the insurance company?

Then, you speak with the insurance adjuster. The adjuster may promise to help you quickly. The adjuster may even promise to pay your medical bills. It happens all the time — The adjuster acts like they are ready to pay your bills and take care of you. Most of the time, it’s not true. Most of the time, the adjuster wants to buy time to protect the insurance company.

The adjuster wants you to provide a recorded statement OR to sign an authorization so the insurance company can dig through your medical records OR simply to string you along. The adjuster tells you information is needed to get you paid. Maybe it is. More likely, it’s an effort to investigate your claim and look for potential reasons to deny it.

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Alabama Accident & Injury AttorneysI recently wrote a post titled How Settlement Mill Lawyers Harm Car Accident Victims:  You Hired A LAWYER But Did NOT Receive One. In that article I discussed a real problem with settlement mill law firms. At settlement mill law firms, all the work and attention is performed by staff members instead of lawyers. Injury victims think they are getting a lawyer but they are not.

After writing that article, I read a Florida case where this issue almost cost a client tremendously. What happened? A car accident victim hired a law firm. The firm gathered his medical records. The firm then sent a quick demand letter to the insurance company, State Farm. Because the injured client’s bills were substantial, the firm intended to demand the full policy limits of $100,000. Oops! Instead, the firm’s letter demanded only $10,000 to settle the case. Apparently, the lawyer never read the demand letter. In settlement mill law firms, a “legal assistant” or “case manager” often writes and communicates with the insurance company. Where is the lawyer? That’s a good question. Some settlement mill firms function like assembly lines handling a volume of cases. The work product is bad. If you are hurt, you deserve to have a lawyer working your case. When State Farm received the letter offering to accept $10,000 instead of $100,000, it quickly responded by accepting in writing.

What a potential disaster! What happened next? The parties had to litigate the issue through Florida’s courts. In the end, an appellate court in Florida saved the client by holding that no settlement contract existed because of the mistake. The injured person dodged a terrible result and salvaged his case. The law firm dodged a terrible result and a potential malpractice issue.

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Huntsville Car Accident LawyersI know. You are probably asking why a lawyer would reject a good case. But, many settlement mill lawyers do reject good cases. Why? These settlement mill lawyers are NOT willing to go to court. Sometimes, good cases require you to file a lawsuit. Sometimes, good cases require a little work.

We believe in case preparation. And, we believe in going to court when needed for our clients. We believe hard work builds the best results for our injured clients.

In recent weeks, I’ve written several posts discussing ways billboard settlement mill lawyers harm their injured clients. During the over two decades I’ve practiced personal injury law, I’ve received countless phone calls from people who have been victimized by a settlement mill lawyer. We have many excellent lawyers in our community. They have also seen and heard many horror stories of the harm caused by the few settlement mill lawyers smiling from billboards and televisions.

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Alabama Car Accident AttorneysIf you’ve read my prior articles, you know my opinion — Billboard lawyers often harm their personal injury clients. As lawyers, our job is to help our clients. We should put first our clients’ interests. Yet, many billboard lawyers help themselves at their clients’ expense.

How do settlement mill lawyers smiling from billboards harm their personal injury clients? Over the coming weeks, I’m going to write posts discussing several ways these advertising lawyers often harm their injured clients. Today, I’ll talk about the sweetheart arrangements many of these settlement mill lawyers have with a specific chiropractor to profit from your injuries.

Here’s how the sweetheart deal between the billboard lawyer and a specific chiropractor works. You suffer a car accident injury and call the billboard lawyer. You probably don’t meet with the actual billboard lawyer. That’s a different issue we’ll discuss in a later post. You probably meet with an “investigator,” “runner” or other staff member. Once you sign the contract, the billboard lawyer wants you to see a specific chiropractor. His chiropractor. That chiropractor will then run-up the charges for your visits. The billboard lawyer will use these exorbitant charges to try and negotiate a deal with the insurance company to settle your claim. It’s an assembly line process designed so the billboard lawyer spends as little time as possible working on your file. That billboard lawyer simply wants to make a few phone calls. And, in many volume law firms, a staff member is actually making the calls. You get zero service from the lawyer.

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Huntsville Accident LawyersYou are driving down the road. Maybe you’re heading down I-565 to work in Huntsville. You are thinking about work (or maybe thinking about the upcoming weekend). Bam! Suddenly, another car crashes into you. You’ve probably sat in rush hour traffic on I-565 many times for accidents involving other drivers. But, now it’s you.

What happens after a sudden car crash. Usually, people call 911. Sometimes, multiple people call 911. Police arrive and investigate. Paramedics may arrive and check for injuries. What if the police suddenly decide to stop investigating some car accidents? What if the police in Huntsville, Madison, or another northern Alabama city, suddenly decide to stop working car accident scenes? If I had asked the question a year ago, you would probably laugh. After all, we expect law enforcement to investigate and report car accidents. With current coronavirus risks, one huge police department is now making the decision not to investigate some crashes. That police department — Atlanta.

A few days ago, an Atlanta news channel reported the Atlanta police department would stop responding to some car crashes due to Covid-19 concerns. How will this law enforcement agency choose when to respond and when not to respond? According to the report, Atlanta police will stop responding to “non-injury” accidents during the coronavirus pandemic. When Atlanta area drivers call the police for a car accident, the dispatcher will ask if they are injured. The response to this question determines whether or not local police will respond.

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Alabama Accident & Injury LawyersWhat Is A Personal Injury Demand Letter?

The days and months after a car accident can be difficult for someone with serious injuries. You are hurting. You are dealing with doctor appointments and medical bills. Maybe you hire an attorney to help with your claim.

If you hire an attorney to deal with the insurance company, you may not be familiar with the behind the scenes process. However, the personal injury demand letter is an important part of the process. Trust me, the quality of those letters (and often the amount of your later settlement) can vary tremendously between lawyers.

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