Articles Tagged with settlement

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Add-a-little-bit-of-body-text-300x300Crash! A negligent driver just crashed into your car. In an instant everything changes. If you were injured in a car accident, the weeks and months after the accident can be a blur of doctor appointments and medical bills. Medical visits. Medical bills. Missed work. It can be overwhelming. I get it. I read and summarize medical records for my clients on a daily basis.

The last thing you expect is for the other driver’s insurance adjuster to simply disregard some of your medical bills. Yet, that’s what adjusters do every day. How do you prevent the adjuster from disregarding or discounting important medical costs? You need to seek skilled legal counsel who is willing to file your case and prepare the claim for court. First, you need to understand some of the big reasons why adjusters ignore or disregard some of your medical bills. That’s the topic for today. Why is the adjuster ignoring or discounting my medical bills? Here are two big reasons.

The Adjuster Claims Some Treatment Is NOT Related To The Car Accident

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PROTECT-ALABAMA-WORKERS-300x300Injured workers often ask, “Why do I have to go to court if my case settled?” It’s a good question. The quick answer is that court approval of Alabama work comp settlements is meant to protect injured workers.

Let me give a little background. Alabama workers compensation benefits are limited. I think they are unfair for injured workers. Too many injured workers suffer needless hurdles and delays obtaining basic medical treatment. On top of that, disability benefits are often limited in both time and amount. The Alabama Legislature capped permanent partial benefits decades ago. Since then, the Legislature has ignored increases in the cost-of-living, leaving Alabama families with an injured breadwinner existing at the poverty level.

Our entire work comp system is unfair to workers. I’ve written multiple articles on this. Because the system is unfair, it’s even more important for seriously injured workers to obtain skilled legal counsel and fight for ALL available benefits. And, it becomes even more important for injured workers (with or without a lawyer) to have a safety system where a court can insure the insurance company is not taking advantage of them.

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Huntsville, AlabamaEarlier this week, I saw a strange lawyer video. It was published by a settlement mill lawyer outside Alabama. In the video, this personal injury lawyer suggested injured people should hire her because she would “pester” the insurance adjuster with repeated calls for a settlement. This lawyer repeated over-and-over that she would pepper the adjuster with repeated phone calls to pester them into negotiating a settlement. I guess it was easy to make a quick TikTok video. But, what a terrible idea. If you want to get the most compensation possible for your clients, being a needy or desperate pest is a terrible idea.

I understand the frustration of hurt people after dealing with an insurance adjuster. Your calls are often ignored. I hear from people hurt in car accidents who are ghosted by an adjuster. I hear from people hurt in work-related accidents who cannot get the adjuster to respond and approve medical care. I’ve written multiple times on the topic. I’ve offered advice in some of my prior posts.

But, a lawyer pestering the adjuster is not the answer! Yet, it’s a practice of many settlement mill lawyers. Why? Their goal is a quick settlement. Their goal is not to get you the best settlement. It’s to get you the quickest settlement so they can move to the next claim. Settlement mill lawyers put quantity of settlements over quality of settlements. If you suffered a serious personal injury, you want the opposite. You want quality.

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Huntsville Accident & Injury LawyersLast week, I was working through the final details of a work comp settlement with a local defense lawyer in Huntsville. As we discussed settlement terms, the defense lawyer made an interesting observation. That observation is the reason for this post.

Before I get to that observation, I’ll give you a little helpful background on the case. My client suffered a bad back injury. He required spinal surgery. He now suffers chronic pain and permanent restrictions. He could not return to his long-term employment. I believe he is totally disabled. We were preparing for trial.

Now that you have a little background, I’ll get to my topic. While discussing the settlement paperwork, I added a couple sentences dealing with vested employee benefits. You know, rights employees have to pensions and 401(k) plans with some employers. When I addressed the phrase with the defense lawyer, he immediately stated that most personal injury lawyers just skim over the paperwork. He laughed and said most lawyers just want to know when they can expect the settlement check. That’s my topic — Good lawyering means you help the client through the entire process!

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Blackwell Law Firm - Alabama Accident & Injury LawyersLawyer ads are everywhere. They are all very similar. Smiles. Confidence. Promises. What kind of promises? In all of them, the advertising lawyer promises he or she will handle your problem. As one local advertising lawyer says in his ads, “we got this.” Does he? Lots of companies advertise assurances about their products and services.

One local Huntsville law firm advertises for workers’ compensation cases by saying a settlement may be in your best interest. Their ad starts by noting “the uncertainty that surrounds” lots of comp cases. Then, it offers the hope of a settlement. Finally, the ad says you should call them for help. It’s a classic marketing ploy — Step one, highlight the need or fear. Step two, disclose a potential solution. Step three, offer yourself as guide to solve the need.

Is a settlement in your best interest? Maybe it is. Maybe it is not. I talk to injured workers every day. Most people are unfamiliar with the work comp process. For many callers, it is the first time they have ever suffered any significant personal injury at work. The whole process can be uncertain. Medical treatment. Continued employment. Vocational rehabilitation. Money Benefits. It’s a new, and very different, process. Some lawyers exploit that unknown by smiling and telling clients the results are good when they really are not.

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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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Th-Intrepid-Adventure-200x300Who really wants to spend their time in a lawyer or doctor office? Most people would prefer to be almost anywhere else. I understand. Other than routine physical exams, we see a lawyer or doctor only when we have a potential problem. For some of us, it has to be a pretty bad problem.

Most of us have seen a doctor at some point in our lives. So, we are familiar with the basics of medical appointments. When it comes to lawyers, it’s a very different story. Maybe you’ve never needed a lawyer. Many people live their entire lives without needing a lawyer. That’s a good thing.

Suddenly, you are hurt in an accident and not sure what to do. You may have many questions and many concerns. How do I handle my medical bills? Who can I call for help? Will I heal? Unfortunately, a lot of billboard and television advertising lawyers feed on uncertainty and fear. They offer a smile with promises that they can make the process easy.

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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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