Delay, Deny, Defend: Why Insurance Companies Don’t Pay Claims and What You Can Do About It
An expose of insurance injustice and a plan for consumers and lawmakers to fight it
Over the last two decades, insurance has become less of a safety net and more of a spider’s web: sticky and complicated, designed to ensnare as much as to aid. Insurance companies now often try to delay payment of justified claims, deny payment altogether, and defend these actions by forcing claimants to enter litigation.
Jay M. Feinman, a legal scholar and insurance expert, explains how these trends developed, how the government ought to fix the system, and what the rest of us can do to protect ourselves. He shows that the denial of valid claims is not occasional or accidental or the fault of a few bad employees. It’s the result of an increasing and systematic focus on maximizing profits by major companies such as Allstate and State Farm.
Citing dozens of stories of victims who were unfairly denied payment, Feinman explains how people can be more cautious when shopping for policies and what to do when pursuing a disputed claim. He also lays out a plan for the legal reforms needed to prevent future abuses. This exposé will help drive the discussion of this increasingly hot- button issue.
Maximizing Your Injury Claim: Simple Steps to Protect Your Family After an Accident
Chances are you will be in an automobile accident at some point in your life. It’s always best to be prepared for when that happens so you know what to do—and if you’ve just been in one, you can learn what to expect next in these pages.
Longtime attorney Matthew D. Dubin has represented countless parties with personal injury claims. Because he can’t represent everyone, he is now sharing his wide range of knowledge in this book. Written in clear, non-legal language, Matthew will tell you what you need to know as you maneuver through dealing with insurance companies and the legal system to get the settlement you deserve.
In Maximizing Your Injury Claim, you’ll discover:
•What information to collect at the accident scene
•What to say and not say to the police and insurance companies
•The ins and outs of using your insurance to cover your car repair and medical bills
•What happens when a motorist is uninsured, underinsured, or refuses to admit blame
•How your medical records and medical past can help or hinder your claim
•How to file a lawsuit and the arbitration process to settle out of court
•How to prepare for your day in court and what to expect
Know your rights and understand the law by reading Maximizing Your Injury Claim. You owe it to yourself and your family to be prepared when the unexpected happens.
Settlements Galore: Winning and Settling Your Personal Injury Claim
EMPOWER YOURSELF !
This book will empower you with the tools you need to understand how personal injury rights and obligations arise. It will give you the tools to understand how personal injury claims are evaluated and the tools to negotiate your settlement or take the case to trial if necessary. All types of injury accidents covered from traffic accidents, to slip and falls, to dog bites and anything you can think off. You will know what to do in all types of personal injury claims and you will know how to win your personal injury claim in small claims court.
Know what your rights are after an accident
Know when you have a case
Know how to boost the value of your claim
Know how insurance companies evaluate cases
Know the dirty secrets insurance carriers don’t want you to know
Know how to gather your evidence
Know what to do with the insurance questionnaires
Know what mistakes to avoid in gathering and preparing your evidence
Know how to present your small claims case in court
Know what dirty tricks insurance companies use in small claims court
Know how to prepare for your small claims hearing
Know how to get a fair settlement with the insurance carrier
Know when and how to hire an attorney
HOW TO SETTLE CAR ACCIDENT CLAIMS BY YOURSELF: Handling and Settling Injury Claims with Insurance Companies Without the Costs of an Attorney
Hundreds of thousands of people are involved in auto accidents, as well as other injury claims, every year. Many, if not most, handle their own claims from start to finish; without ever incurring the cost and complexity of an attorney. This book is an excellent and comprehensive guide which will help you to handle, successfully put together and settle your own injury claim without any unnecessary or additional costs. This book covers in great detail every step and every phase of handling an injury claim. The book also comes with a detailed sample settlement demand and indicates every step of how to negotiate and settle your own claim as well. The book also covers important inside information often used by law offices to help structure the entire claim, and how you can best maximize and utilize available med pay or health insurance (if any) to your maximum benefit. Also included is an excellent bonus section on how to use subrogation to your advantage; how this important and powerful principle can be used by you to structure your claim in such a way as to help you walk away with more money in your pocket. Another point very often neglected by accident injury victims, and even law offices, is the extremely important principle of minimizing your “expenses” (i.e. medical bills) after the claim is settled, and HOW TO negotiate down your medical bills after your settlement, so that you walk away with every dollar that you can. Every dollar that you deserve to! Often, this principle alone — if structured and employed properly — can shave thousands of dollars off your expenses, and thus put THOUSANDS OF EXTRA DOLLARS directly into your pocket at the end of your claim.
Car Accidents Made Easy: How to Settle Your Claim Fast and for Maximum Money
Car accidents and the claims arising from them are an ever increasing phenomenon. However, most people do not want to hand over 1/3 to 1/2 or more of their overall claim just to speak to an attorney. In fact, hundreds of thousands of injured people every year successfully settle their own claims every year. This book covers all important aspects of claims: from the initial reporting, to medical selection and treatment, to compiling the settlement demand, to negotiation and settlement of the matter, and even vital post-settlement issues (such as subrogation and negotiating down high medical bills, etc.) and many other important subjects. This book was gleaned from decades of working in the personal injury legal field, and covers all vital areas needed to be handled in a personal injury accident claim.
This book is approximately 200 pages of in-depth material, and even comes with a detailed appendix section that has many bonus items designed to make designing and compiling your demand not only much easier, but more thorough and complete as well. This book will also detail important themes which many books (and often many attorneys, as well) do not bother to go into, because they do not make any additional money on these items [such as utilizing/negotiating down subrogation liens, or working to negotiate and lower existing medical bills]; however, these items ARE vital to injured parties because they DIRECTLY add money to the amount netted from the settlement. Important issues such as these are all covered in this complete guide, which will make a great gift or can be a great addition to a home reference library. Maximize the amount you make settling your auto accident claim, or any other claim you might have. This book also details facts for other claims or accident types as well, including even workman’s compensation claims. This book has helped numerous injured parties, and can save one hundreds or even thousands of times the purchase price. This is a must have item for accident injury victims handling their own claims.
The Claim Game: Twenty Best Practices When Managing and Investigating Workers’ Comp Claims
Organizations that fail to identify and eliminate fraud are losing hundreds of thousands of dollars—and many don’t even know it!
Many claims professionals don’t have the time or resources to spot the red flags that indicate a fraudulent workers’ compensation claim, and even if they stumble upon one by chance, they fail to conduct a comprehensive investigation.
Mario S. Pecoraro, CEO of Alliance Worldwide Investigative Group, provides proactive strategies that will save you resources, money, and time investigating claims. The twenty best practices he explores will help you:
• hire the type of employee who won’t file a claim in the first place;
• engage in preventative maintenance throughout the life of a claim;
• determine who should conduct an investigation when a claim is filed;
• carry out the investigative process using a variety of tools.
Filled with case studies demonstrating where investigations went wrong (and where they went right), you’ll be equipped to apply best practices and avoid common mistakes. Start saving money, and get the right team in place with The Claim Game.
Auto Accident Personal Injury Insurance Claim
Auto Accident Personal Injury Insurance Claim reveals the inside secrets of claim negotiating and shows you how to settle your case for top dollar. This book will guide you through the insurance claim wilderness and provide you with the answer to that critical question: How much is my “pain and suffering” worth?
The mystery of how to place a value on your “pain and suffering” has been solved with the introduction of BASE: The Baldyga Auto Accident Settlement Evaluation Formula. It will help you to prove your losses, and to know how to present them during your negotiations. You’ll learn the all-important 4 “Values” that BASE provides for you: The PREMIUM Value, The MEAN Value, The CORE Value and The LOW Value. The BASE Formula is a simple, yet revolutionary evaluation tool.
Knowing how to guide an accident claim to a victorious payoff is not an exclusive ability, possessed by a select few. Don’t be seduced into thinking you can’t do it yourself. That simply isn’t true! This book will show you how.
If you’ve been in an accident and you’re uninformed, you have little or no concept of the ultimate value of your possible recovery. Because of this, you’re less able to make appropriate demands. As the claims negotiation process moves towards a close, you’re settlement demands are very often too low or too high. You’re ignorant of the accepted principles, which justify your demands. When you attempt to negotiate a settlement with these handicaps, you run a strong chance of being victimized.
The amount of compensation you should be paid isn’t found in a crystal ball. Rather, a number of simple factors such as the type of accident, related injuries, out-of-pocket expenses, medical costs and lost wages all go into determining how much a claim is worth. What amount an insurance company is willing to pay actually falls into a fairly narrow spectrum.
To read this book is to become informed on bodily injury claim settlement facts and details. You’ll discover how to implement BASE so you can determine the monetary value of the “pain and suffering” you’ve endured because of your injury. You’ll know what to ask for and how to negotiate it. You’ll learn how to supply the adjuster with all the documentation and proof needed to establish your claim. You’ll gain the knowledge needed to accomplish this when you read Auto Accident Personal Injury Insurance Claim. And you’ll walk away from the negotiation table with a smile on your face.
Insurance Settlement Secrets: A Step by Step Guide to Get Thousands of Dollars More for Your Auto Accident Injury Without a Lawyer!
This book provides a behind-the-scenes look at how insurance companies process automobile accident injury claims. Knowing how insurance companies process these claims can make the difference of receiving thousands of dollars more for your Insurance settlement! Written in plain English, the book gives readers all the tips they need to ensure they receive the settlement they deserve. Written by an insurance company insider who has worked in the industry for years and negotiated hundreds of injury settlements. Readers will learn: Steps to take if they are injured in a motor vehicle accident. How to deal with insurance companies when they call. How to take the advantage against the insurance company. What medical information is crucial to your claim. How to push the same buttons an experienced lawyer would push. When and how to negotiate for a fair settlement. “Insurance Settlement Secrets” shows readers how they can do all of this themselves without hiring an expensive lawyer.
The Adjuster! is a practical, down-to-earth self-help guide to learning the business of insurance claim adjusting. Written in an easy, comfortable style the book takes the beginner by the hand and leads the way through the basics of investigation, evidence gathering, analysis, evaluation and ultimately settlement negotiation. For the person who has no insurance experience the book provides the nuts and bolts of claims in a straightforward, simple manner with excercises and suggestions for further study. It includes descriptions of the materials and equipment which are used by the insurance claim adjuster and explains in honest terms what it takes to go into business for oneself. The book demonstrates how to start out “on the kitchen table” in a business of your own, or teaches the basics by which a trainee can go out and get a job working for someone else in a new and exciting career.
Insurance Claim Secrets Revealed:
Take Control of Your Insurance Claims! Add Hundreds or Even Thousands More Dollars to Your Claim Settlement!
This is the best book you can own on the strategies YOU need to use to get the insurance companies to pay you ALL the money you are entitled to collect when you have a claim. Wouldn’t you agree that nothing else matters about insurance other than getting the claim PAID IN FULL?
In this book, you will learn:
– The games and scams insurance companies use to cut costs and keep claim payments at the lowest amounts possible
– When it’s the right time to use an attorney
– How you can take control of your claim, and not allow the insurance company or claims adjuster to control YOU
– What a Public Adjuster is, and the valuable help you can get from Public Adjusters
– That the insurance adjuster is NOT there to help you
– and much more
You will learn:
– What to do when you have a car accident…BEFORE you
open the car door or talk to anyone
– How much MORE money I collected (thousands!) in the two little claims I had while writing this book
–About Diminished Value on automobiles, and how it can cost you THOUSANDS if you don’t fight
– About cheap aftermarket auto parts that insurance companies LOVE, but leave you less safe
– And so much more
Ask yourself these questions:
Do you carry a spare tire and jumper cables in the trunk of your car?
Do you have a toolbox at home?
Have you ever bought a book or read an article that showed you how to fix something?
Do you own a first aid kit?
Do you have a fire extinguisher or smoke alarms in your home?
Why would you do ANY of those things?
Answer: So you are prepared BEFORE something bad happens.
READ THIS BOOK BEFORE SOMETHING BAD HAPPENS TO YOU!!!
READ THIS BOOK AFTER SOMETHING BAD HAPPENS TO YOU, TO KEEP IT FROM GETTING WORSE!
This book should be on the shelf in EVERY HOME.
This book should be in EVERY automobile glove box.