Are You Having Trouble With An Insurance Adjuster?

If you have ever been injured or had property damaged in a car accident then you have probably dealt with an insurance adjuster. What do you do if you can’t come to terms with the adjuster? You actually have several options. First, you can request that your injury or property damage claim be assigned to a new adjuster. The chances of that happening are pretty slim though.

Next, if you feel you are being mistreated you can ask to speak to the adjuster’s supervisor. If the adjuster is not giving your claim the attention it deserves, a call to his supervisor may help.

Why do you think it is that adjusters can be so difficult to deal with sometimes? One of the adjusters settlement methods is to wear you down. For instance, your goal is to negotiate a fair settlement to compensate you for your injuries. The adjuster on the other hand will prolong the settlement or continue to offer unreasonable settlement terms. The adjuster is at an unfair advantage because he has the money and you need the money. The adjuster is hoping that you will settle for the unreasonable offer so you can get the claim behind you.

You should contact an attorney to help if you encounter any of the above situations. An attorney can get more money for you and handle the hassle of working with the adjuster. Pbk (205)912-8245

Do you have a personal injury case?

If you are hurt and think somebody else is to blame, these simple questions will help you assess your case:

WHO could be held liable? Did the wrongdoing of somebody else cause or contribute to your injury, and whose was it?

WHAT is the extend of your injury? Is it permanent or temporary? Did you lose time from work? How much? How much money did you spend on medical bills; how much do you owe? Did you suffer pain or emotional trauma?

WHERE did the injury happen? This affects who can be found liable. For example, did it happen at work, in a mall, or a highway?

WHEN did it happen? If you wait too long to file a claim, you may be out of luck because of rules setting deadlines for filing. In some cases, these rules require making a claim in six months or shorter.
blb (205)912-8248

Claims Involving Single Vehicle Accidents

Do you have a claim if you have been injured in a single vehicle accident? Yes, you should always contact your insurance company after an accident. Most insurance policies have a coverage to pay for your medical bills. The coverage for medical bills varies from policy to policy.

You may also have a claim against the manufacturer of your vehicle or vehicle parts. Single vehicle accidents are not always the fault of the driver. What if you have a tire malfunction? There have been thousands of claims against tire manufactures for faulty tires.

What if the accident is your fault, but your seatbelt fails? A federal court jury returned a $19 million dollar verdict against Ford Motor Company for the failure of their seatbelts in a 1998 Ford Windstar. In this particular case it was determined that there was a design defect within the buckle of the restraint system. Luckily the Plaintiff’s in this case contacted an attorney to preserve evidence. pbk (205)912-8245

Are You Having Trouble Settling Your Injury Claim Because Of Medicare?

Injury claims that involve Medicare recipients are becoming more and more difficult to settle because of Medicare’s involvement. If you have been injured by someone and have Medicare you need to take the proper steps immediately.

Medicare has an automatic lien against you and/or the insurance company for money paid to you. What does this mean? It means they have to be notified of any potential insurance claims you might have. For example, if you are injured by another motor vehicle, Medicare in entitled to reimbursement for any payments they have made to you by the insurance company.

Unfortunately, Medicare claims can prolong the settlement of your case. When you are injured in an accident you need to contact Medicare in writing immediately. After your initial contact with Medicare it will take them around 65 days to send you a Conditional Payment letter. Your Conditional Payment letter described how much they have paid on your behalf. The insurance company will not settle with you without this letter.

Dealing with both the insurance company and Medicare can be very frustrating. It is almost always necessary to consult with a competent attorney in such cases.  PBK (205) 912-8245