Originally posted by: chess9
Alchemize:
A lawyer might sue for a 5 mph whip lash injury, but unless he can produce a believable expert witness to testify to the Plaintiff's injuries the case is going nowhere. You sound as though this is a common occurrence, when, in fact, it happens RARELY. Most cases-close to 80% were the last figures I saw- are settled between the insurance company and the lawyer. The insurance companies always have the upper hand because they can withhold money and they know the Plaintiffs get tired of fighting and will simply settle.
My wife is going through this very problem right now and the insurance companies have already sent her to 4 doctors, even though the news gets worse for them each time. She was a passenger in a car that was hit from behind at about 15 mph. She has a dislocated vertebra and a torn rotator cuff, both from the seatbelt she was wearing. The medical bills and physical therapy so far have hit over $5,000 and she hasn't had her first surgery yet. The two insurance companies involved are dancing every which way but loose to try to pay as little as possible to an innocent victim. Oh, that's being done for the shareholders too.It certainly isn't fraud.
You don't understand how the system really works. You should talk to an insurance adjustor about the tricks they pull. I know a local lawyer who used to work for Liberty Mutual and was very good at getting "reasonable" settlements after a couple of years of beating the Plaintiff up with his games. Now he represents the Plaintiffs and the adjustors are his breakfast lunch and dinner because he knows ALL the tricks. That's a dog eat dog business and that's exactly why the insurers want an edge and will contribute millions to elect Republicans and sympathetic Dems. It's all about cheating any way they can. Honesty by insurers is a big joke.
-Robert
Several of my friends are claims adjustors, and I've heard PLENTY of stories about the con-artists and "professional accidents" that they HAVE TO PAY in many states. All are very honest individuals. They have certifications, and published standards and policies. They have strict legislation in almost every state that says how they have to pay medical claims. Are you telling me that the insurance company is refusing to pay your claim? I doubt you are saying that, because in most states that is illegal.
Crooked laywers, however, have no such restrictions. Crooked chiropractors (I'm pretty sure those two words are synonyms in most cases) team up with lawyers, rack up the charges, then usually settle out of court. You know why insurance often takes longer to pay? Because they often have to spend most of the time sorting out the crooks from the true injuries. Because if they paid every crooked SOB that walked in with a claim, no questions asked, rates would be 3x what they are. If there was a "insurance company cheat" to "claimant fraud" ratio out there, I'd bet it is 1 to 100,000 (or larger). Large insurers such as state farm pay over 45 million claims a year, with an extremely high satisfaction level.
I've been through the same exact thing with my wife. I had a lawyer, and sued. It took 3 years to settle. And I recognize that the fraud and they trial lawyers out there is what is gumming up the system. I probably would have been better off representing myself. You think it is some vast right wing conspiracy.You are completely a lunatic if you think the insurance industry is about "cheating" the customer. Of course, we've come to expect nothing less from you. Always the man putting you down.
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