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Articles Tagged with insurance

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Huntsville Personal Injury AttorneysIf you’ve seen the news, you’ve heard the reports about the condo collapse in Miami. Several families have already filed wrongful death claims on behalf of their deceased loved ones. How many people died in the building collapse?

With more than 100 residents missing and several suits already filed, a local Miami judge held an emergency hearing on the issue of evidence preservation. Evidence preservation is a big deal in the case. Accident scenes can change rapidly – destroying important evidence. I’ll save the evidence topic for another day. Another issue from the hearing — liability insurance — sparked the topic for this post.

At that hearing, attorneys for the condo association indicated liability coverage in the amount of $48 million existed. The judge promptly responded such coverage was not adequate to compensate all the families for their deceased loved ones. It is not. While that sum may seem like a lot of money, you start dividing it between many, many families and it is not.

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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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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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Huntsville Accident & Injury LawyersMany car accident injury cases are fairly straightforward. Liability and damages. Did the other driver negligently cause the collision? If so, were you injured? What is the extent of your injuries?

In recent weeks, I’ve written several posts about settlement mill lawyers. These billboard and television lawyers want a volume of those straightforward car accident and injury cases that they can quickly settle. Even when the case is straightforward, these settlement mill lawyers often harm their clients by not working to prepare cases for their maximum value. That’s important — Even when straightforward, putting the time and skill into developing and building the case can make a huge difference in the amount of damages recovered for an injured client. When our friends and neighbors suffer an injury, they deserve a lawyer who will provide personal attention and work on their case.

When you take a car accident claim and add common issues such as vehicle defects, commercial vehicles, underinsured drivers or uninsured drivers, you really are well-beyond claims that can be handled by settlement mill lawyers. These cases require work, preparation and a willingness to go to court when needed.

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Huntsville Car And Truck Accident AttorneysYou suffered a car accident. In the hours and days after the accident, you start hurting badly. You need medical care. The whole process can be challenging and frustrating. When you are seriously hurt in a car crash, you suddenly have many issues. Scheduling appointments. Missing work. Transportation. Waiting for doctors. These may all be worries. Then, you start receiving bills. Lots of bills. Confusing bills. Bills can be an overwhelming worry.

If you have health insurance, you are very fortunate. You should definitely use your health insurance to pay your medical bills.

Why Should I Use My Health Insurance? Someone Else Caused The Crash.

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Alabama Accident And Injury LawyersInjured and facing mounting hospital bills? If you find yourself in this situation, the medical bills and charges can be confusing and overwhelming. You probably have many questions. What are my actual medical charges? Sometimes, it’s difficult to tell. How much did my health insurance pay? Why is the hospital charging ten dollars for a single aspirin? None of it makes sense to most patients.

Our medical system suffers from a lack of consistency and lack of transparency in charges. I recently read a great article on LinkedIn that asks the question — Can Price Transparency Actually Lower Health Care Costs? The article discusses several issues, including surprise charges, price gouging and health insurer discounts. The author concludes it’s a “money game” of different prices for different people. This is certainly true for personal injury victims who often suffer the worst impacts of unfair and inconsistent medical costs.

Hospitals attempt to take advantage of personal injury victims for maximum profit. From the moment a personal injury victim enters a hospital, the unjust process begins. Why is the hospital admissions clerk so interested in whether the other driver is at-fault or has car insurance? Hospital greed, that’s why. The same is true for some clinics, chiropractors and physical therapy offices.

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Several weeks ago, I wrote an extended post on Five Bad Rules That Can Harm Your Alabama Car Accident Claim. We frequently deal with these rules in auto accident injury cases we prepare. These rules can ruin your claim or severely decrease its value.

If you suffered a serious injury, it is important to seek legal counsel experienced in handling these issues in court. A simple fact or argument can often determine whether or not one of these rules applies. Unfortunately, most of the settlement mill lawyers advertising on billboards fail their clients in these cases.

If you want more details, take a look at our longer article. If you have questions about a case or claim, we are happy to answer them. I’ve attached a slideshow which is shorter than our previous article and hits the key issues in each of these Alabama rules. I thought the slideshow could serve as a quick reference or download on these issues. Here it is:

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Huntsville Work Comp Attorneys - Blackwell Law FirmA new study by the Workers Compensation Research Institute (WCRI) asks whether employees injured at work are more likely to file under workers’ compensation instead of group health insurance when their group health plan has a higher deductible. That’s interesting but it misses the real issue. The real question is why an injured worker would ever consider seeking medical care outside the workers’ compensation system at all. Really? Workers’ compensation systems were enacted in Alabama (and other states) to provide basic benefits like medical treatment. If those systems worked as intended, this would be a non-issue. Yet, workers consider using private health insurance because the work comp system has largely failed its primary purpose.

I speak with injured workers on a daily basis. Almost all of them have one goal. They want to get better and resume their normal life with work and family.

The WCRI research article wrongly frames the issue as a decision based simply upon medical deductibles. Let’s really examine why an injured worker would consider private health insurance (instead of work comp) in the first place. Injured workers should face NO barriers obtaining necessary medical care under workers compensation. But, they do. Those barriers are substantial and unjust. Here are three big ones:

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money-2033591_1920-300x300From “good hands” to “good neighbor,” major insurance companies market themselves as caring for the consumer. Do they? We’ve all seen the countless advertisements. Do you really believe the insurance company has your interest at heart?

What happens when you are hurt and really need the insurance? Insurance companies work hard to avoid paying the true value of claims involving injuries. In car wreck claims, savvy adjusters immediately start looking for ways to deny or dispute valid claims. What are some immediate actions designed to reduce or deny your injury claim? Adjusters start by recording you on the telephone. We have even seen adjusters try to obtain damaging recordings from people who are on pain medications immediately after an accident. Adjusters start by sending you forms to sign — which the company can use to dig through your history and records. Adjusters promise to pay your medical bills, encouraging you to send them. Yet, that’s not how it really works.

Adjusters have huge advantages over you. They know the system. They know how it works. On the other hand, you are probably unfamiliar with the system. You are relying on fairness and honesty to get through a stressful process. While a car accident upends your life, it’s just a normal day for the insurance company.

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Blackwell Law Firm - Alabama Personal Injury LawyersYou are injured from an accident. You are pursuing a claim for damages or compensation. Suddenly, the insurance carrier wants you to see its doctor for an examination. If your case involves a car accident or work comp claim, you may face this request. Sometimes, the insurance carrier even calls its request an “independent medical exam.” Yet, these exams are neither independent nor fair.

Before I talk about the biased insurance company doctor, let me say that these biased doctors are small in number. Lawyers who frequently prepare and try cases will tell you they see the same few bad ones repeatedly. Doctors are like any other profession. Almost all of them are dedicated to serving their patients. The same rule applies to lawyers, accountants, and any other professional. But, a few bad apples exist.

With lawyers, the bad apples are those settlement mill lawyers making promises while refusing to do the work really needed to help clients. When it comes to automobile accident, workers’ compensation or disability claims, we see a few doctors who seemingly make their living issuing misleading reports so claims can be denied. In both the legal and medical professions, the bad ones want to make money pushing paper instead of getting to the heart of their clients’ stories and losses. One sure sign of biased doctors is that many of them have little or no medical practice outside insurance company evaluations. Good doctors actually treat patients. Good doctors don’t make their living generating claims reports.

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