# Beyond the Polyester Veil : A Personal Injury Negotiations Case Study

Save this PDF as:

Size: px
Start display at page:

Download "Beyond the Polyester Veil : A Personal Injury Negotiations Case Study"

## Transcription

2 Player: The Insurance Company. The First Hand (Personal Negotiations) You go to the insurance company and tell them about the accident. The insurance company writes down all the details and then they look at the books and try to figure out what would happen if the case went to court. They figure the odds are 75% that their client is liable and they will have to pay something. If they do pay something they figure the rangewill be between \$60-\$100. These numbers go to the local bean counter for analysis. He tells them to settle for \$60. Insurance lowballs you at \$40. You go back and forth for a while andwith some shrewd negotiating you get them up to \$60. You re thinking: I lost \$80, and I get back \$60, so I m still out \$20, but insurance came up \$20 from \$40 to \$60, so they are taking as much as a loss as I am and that seems fair. Insurance is thinking: We hit the logical settling point, and we are still at the very bottom of what we would have to pay if we lost in court and we would probably lose. If you take the offer now: You lost \$40 Analysis : Logical Settling Point Any nerd from business school will tell you that when risks are involved you multiply the risk by the money involved to figure out the cost. In this case we have a 75% chance of paying between \$60-\$100. Halfway between \$60 and \$100 is \$80. So we take \$85 and multiply it by 75% to get \$60. The insurance company makes a little bit of money from everyone s premiums. The more they pay out to injured people the less they make and the higher everyone s premiums go. Also the more time they take to settle a claim the more staff they have to pay and the less they make. This means an insurance company wants to settle cases fast and low. But here s the catch. Even though they want to settle fast and low they aren t very motivated, because no matter what happens the cost just gets passed on to the guy paying the premiums and insurance still makes money. Rule: Liability If the law says your injury was someone else s fault that person is liable for the accident and that person s insurance is supposed to pay you. If it s your fault, or no-one s fault, then nobody pays. It s s like winning a hand in blackjack. When you got injured you put your chips on the table. If you win the hand then the dealer pays you something, if you lose then your chips are just gone. Rule: Quantum (the Range) This is the amount the person liable has to pay. It s supposed to be what you lost when you got injured, but in practice it s always less. This is like the bet in blackjack. If you win the hand then the amount you get depends on the bet.

6 Conclusion So you watched the game, and now here s the post-game analysis, looking at the different players and stats. What do you take from all this? Should you negotiate with the insurance company or get a lawyer? It depends on too many things, even in this simplified scenario it s a tough call whether you would have been better off losing \$40 at the beginning or spending all the time and energy to end up losing \$22 at the end. Should you talk to a lawyer? Yes! Almost any personal injury lawyer will do a free consultation with you. You can learn about the process and maybe a little bit about the odds. In a game like this the only way to get ahead is to know the players, the rules, and the odds. Hopefully you re a little bit closer now. Parties No Claim No lawyer No discoveries No Trial Trial Win Trial Loss Trial Mixed You Paid Your lawyer The insurance company lawyer The expert doctor The cost of the accident Lawyers Earned Insurance Company Paid ANALYST: Best for Insurance Best You don t file a claim and they pay nothing. 2 nd Best You lose at trial and they pay \$40 and the overhead of running your claim for a very long time. 3 rd Best You settle without a lawyer, and they pay \$60, but save on staff time. ANALYST: Best for You Best You win at trial and lose \$22 as well an enormous amount of time and effort. 2 nd Best You settle prior to trial and lose \$24 and a lot of your time and effort, but are spared the trial ANALYST: Best for Lawyers Insurance Lawyer Makes the hourly wage on your file, or some other file, so it really doesn t matter. Your Lawyer - Settle prior to trial, either \$25 pre-discoveries or \$34 post discoveries which is a similar deal considering the work involved.

### Consumer Awareness How to Keep From Getting Ripped Off by Big Insurance

Consumer Awareness How to Keep From Getting Ripped Off by Big Insurance Provided as an educational service by: Anthony D. Castelli, Esq. Concentration in Auto and Work Related Injuries (513) 621-2345 ATTENTION!!!

### 10 Things You Must Know Before You Find a Seattle Injury Attorney

10 Things You Must Know Before You Find a H Seattle Injury Attorney www.seattleinjuryattorneyfaq.com 1 Should I get an attorney if I am in a car accident? If you have been hurt or have serious injuries,

### Would You Like To Earn \$1000 s With The Click Of A Button?

Would You Like To Earn \$1000 s With The Click Of A Button? (Follow these easy step by step instructions and you will) This Version of the ebook is for all countries other than the USA. If you need the

### Your Personal Guide To Your Personal Injury Lawsuit

Your Personal Guide To Your Personal Injury Lawsuit Know How To Do Things Right When You ve Been Wronged You have questions. And most likely, you have a lot of them. The good news is that this is completely

### 1O SECRETS OF GEORGIA CAR WRECK CLAIMS

1O SECRETS OF GEORGIA CAR WRECK CLAIMS 1O SECRETS OF GEORGIA CAR WRECK CLAIMS L. TY WILSON, P.C. TyWilsonLaw.com 770 948 5454 W O R D A S S O C I A T I O N P U B L I S H E R S www.wordassociation.com

### (404) 919-9756 david@davidbrauns.com www.davidbrauns.com

You are probably reading this guide because you were recently in an automobile accident. Now you are faced with some difficulties. The tasks of managing your care and your insurance claim can be confusing

### 12 Common Auto Accident Myths: Protecting your rights and wallet after being injured in an auto accident.

12 Common Auto Accident Myths: Protecting your rights and wallet after being injured in an auto accident. Introduction An auto accident can dramatically change your life. You could be injured and/or in

### WE RE HERE FOR YOU Expert local personal injury advice.

1 WE RE HERE FOR YOU Expert local personal injury advice. 2 A guide to help you We know that an injury can cause a wide range of problems, more than just coping with your pain and discomfort. We re here

### Seven Things You Must Know Before Hiring a Real Estate Agent

Seven Things You Must Know Before Hiring a Real Estate Agent Seven Things To Know Before Hiring a Real Estate Agent Copyright All Rights Reserved 1 Introduction Selling a home can be one of the most stressful

### QUESTIONS YOU SHOULD ASK THE INSURANCE ADJUSTER

QUESTIONS YOU SHOULD ASK THE INSURANCE ADJUSTER By Michael A. Schafer, Attorney at Law 1218 S 3 rd St Louisville, Kentucky 40203 (502) 584-9511 www.mikeschaferlaw.com QUESTIONS YOU SHOULD ASK THE INSURANCE

### WHAT IS THE LAW SURROUNDING CAR ACCIDENTS?

WHAT IS THE LAW SURROUNDING CAR ACCIDENTS? How Does The Law Determine Who s At Fault? When determining fault, there is no one answer that covers all scenarios. Accidents produce and are produced by many

### Website Copy. Injured? Get an Expert Personal Injury Solicitor and Only Pay if You Win!

FOR: Thomas Phelan Website Copy Home Page Headline: Injured? Get an Expert Personal Injury Solicitor and Only Pay if You Win! Would a solicitor who works exclusively in personal injury, that can handle

### 5 FUNDAMENTALS OF UNCOMPROMISING ADVOCACY. By Anthony Castelli Auto Accident and Personal Injury Attorney

5 FUNDAMENTALS OF UNCOMPROMISING ADVOCACY By Anthony Castelli Auto Accident and Personal Injury Attorney INTRODUCTION If you ve been seriously harmed in a car accident, getting a fair settlement can be

### Workers Compensation: Making a claim

Workers Compensation: Making a claim What are workers compensation benefits? Workers compensation benefits are payments for injuries or diseases that are related to the work you were doing. Workers compensation

### Deadly Mistakes That Can Damage Your Injury Claim. A free publication by the Law Offices of James Scott Farrin

Deadly Mistakes That Can Damage Your Injury Claim A free publication by the Law Offices of James Scott Farrin Introduction: The steps you take immediately after an accident can make a big difference in

### Common Myths About Personal Injury and Wrongful Death Cases 1. By B. Keith Williams

Common Myths About Personal Injury and Wrongful Death Cases 1 By B. Keith Williams There are several myths about accident cases and the attorneys that handle them. It is important to keep these myths in

### TEN SECRETS. The Insurance Adjuster Won t Share With You

TEN SECRETS The Insurance Adjuster Won t Share With You -1- How much is my case worth? I have suffered injuries requiring medical treatment from this accident. How much extra compensation can I expect

### Third-Party Funding of Individual Lawsuits: A Rational Dialogue. Kirby Griffis Hollingsworth LLP

Third-Party Funding of Individual Lawsuits: A Rational Dialogue Kirby Griffis Hollingsworth LLP THE SCENE: Boardroom of Rational Actor Widgets Co. RAWCO makes widgets, which have many useful applications

### Consumer Awareness Guide to Choosing a Personal Injury Lawyer

Consumer Awareness Guide to Choosing a Personal Injury Lawyer Provided as an educational service by: Anthony D. Castelli, Esq. Concentration in Auto and Work Related Injuries (513) 621-2345 Read this guide

### Club Accounts. 2011 Question 6.

Club Accounts. 2011 Question 6. Anyone familiar with Farm Accounts or Service Firms (notes for both topics are back on the webpage you found this on), will have no trouble with Club Accounts. Essentially

### Seven Things You Must Know Before Hiring a Real Estate Agent

Seven Things You Must Know Before Hiring a Real Estate Agent 1 Introduction Selling a home can be one of the most stressful situations of your life. Whether you re upsizing, downsizing, moving across the

### The Guide To Buying Car Insurance in Washington

Your Guide To Getting the Best Insurance Coverage for Your Family The Guide To Buying Car Insurance in Washington Don t be without the Insurance Coverage that Insurance Companies Most Dread Selling Scott

Table of Contents Introduction 3 Why Not Settle With the Insurance Companies 4 What to do First 7 Hiring a Personal Injury Lawyer 11 How Much is My Claim Worth? 14 What if I have a Pre-Existing Condition?

### AUTO ACCIDENTS & PROPERTY DAMAGE CLAIMS

AUTO ACCIDENTS & PROPERTY DAMAGE CLAIMS A STEP-BY-STEP GUIDE FOR HANDLING A VEHICLE PROPERTY DAMAGE CLAIM WITHOUT HIRING AN ATTORNEY. Not every car wreck results in an injury. In cases where an accident

### A BRIEF REVIEW OF TEXAS AUTOMOBILE INSURANCE. The Declarations Page

THE COMMISSIONERS HOUSE AT HERITAGE SQUARE 2901 BEE CAVE ROAD, BOX L AUSTIN, TEXAS 78746 P. 512.328.9099 F. 512.328.4132 WWW.JKPLAW.COM A BRIEF REVIEW OF TEXAS AUTOMOBILE INSURANCE Automobile liability

### C a s e. to winning your. The. Brian Beckcom. attorney at law Vujasinovic & Beckcom, P.L.L.C. www.vbattorneys.com

The I nsider s G uide to winning your MARITIME INJURY C a s e by Brian Beckcom attorney at law Vujasinovic & Beckcom, P.L.L.C. www.vbattorneys.com Word Association Publishers Tarentum, PA Copyright 2008

### Chapter 4 Legal Ethics

Chapter 4 Legal Ethics Yes. You read that right legal ethics. Har de har. Go ahead. Get it out of your system. How about this one? Why do scientists prefer using lawyers over lab rats? There are some things

### Free Legal Consumer Guide Series www.southernmarylandlaw.com

Free Legal Consumer Guide Series Brought To You By Meeting All Your Legal Needs For 50 Years 2 What You Need To Know About Workers Compensation HOW TO USE THIS GUIDE If you read this guide, you will discover

### Is What You Know About Injury Claims Accurate?

Is What You Know About Injury Claims Accurate? Presented by: Attorney Mark L. Krueger www.kh-law.net IS WHAT YOU KNOW ABOUT INJURY CLAIMS ACCURATE? Misconception No. 1 I have no claim if the responsible

### Buying Car Insurance

Buying Car Insurance We blame the insurance companies And their agents for not thoroughly explaining And urging you to buy The most important auto insurance protection available They won t tell you, so

### Copyright (c) 2015 Christopher Small and The Art of Lawyering. All rights reserved.

Copyright (c) 2015 Christopher Small and The Art of Lawyering. All rights reserved. 1 In this special report, I ll be sharing with you the ten biggest mistakes that lawyers make when marketing their law

### Practice Resource. Retainer agreement and information. Personal injury contingent fee. Dear [client name]: Accident of [date of accident]

Practice Resource Retainer agreement and information Personal injury contingent fee Dear [client name]: Re: Accident of [date of accident] Thank you for asking my law firm to help you with your claim against

### MAURICE BLACKBURN LAWYERS ROAD ACCIDENT INJURIES SOUTH AUSTRALIA

MAURICE BLACKBURN LAWYERS ROAD ACCIDENT INJURIES SOUTH AUSTRALIA 02 MAURICE BLACKBURN YOU RE WORTH FIGHTING FOR. If you are hurt, injured, or are facing an unfair situation, you and your family shouldn

### http://www.pbookshop.com

Why a Personal Injury Practice Is Different I wrote in the first two editions of this book that starting a personal injury practice is not for the fainthearted. Sadly, that fact is even truer today than

### Accident Injuries and Your Car Insurance

Personal Injury Wrongful Death Slip & Fall Automobile Accidents Trucking Accidents Motorcycle Accidents Medical Malpractice Criminal Defense Accident Injuries and Your Car Insurance Critical Details You

### Lay System Split test

Lay System Split test Copyright This report and its content are copyright Bluebell Data / Sporting Bots Limited. You may share or give it away as long as the contents, links and disclaimers stay exactly

### SO YOU THINK YOU WANT TO FIRE YOUR LAWYER?

SO YOU THINK YOU WANT TO FIRE YOUR LAWYER? ANSWERS TO THE MOST COMMON QUESTIONS ABOUT THE PROCESS Guy S. DiMartino, DC, JD Florida Board Certified Civil Trial Lawyer Stuart, Florida (772) 337-3333 Phone

### I have legal protection insurance do I need to use it?

Background Having a motorcycle accident is traumatic and can often entail substantial damage to your beloved motorcycle and serious injuries. If the accident was caused or contributed to by the bad driving

### FREE SPECIAL REPORT WANT TO PROTECT YOUR FAMILY? WHAT YOU ABSOLUTELY, POSITIVELY HAVE TO KNOW WHEN BUYING CAR INSURANCE.

FREE SPECIAL REPORT WANT TO PROTECT YOUR FAMILY? WHAT YOU ABSOLUTELY, POSITIVELY HAVE TO KNOW WHEN BUYING CAR INSURANCE. Keep reading to learn What are your chances of having an accident in Kentucky with

### The A-B-C s of Motor Vehicle Collisions and Personal Injury Claims In Minnesota

The A-B-C s of Motor Vehicle Collisions and Personal Injury Claims In Minnesota Douglas E. Schmidt Accident Attorney 13911 Ridgedale Drive Suite 110 Minnetonka, MN 55305 952.473.4530 Fax: 952.544.1308

### MAURICE BLACKBURN LAWYERS ROAD ACCIDENT INJURIES / MVA WESTERN AUSTRALIA

MAURICE BLACKBURN LAWYERS ROAD ACCIDENT INJURIES / MVA WESTERN AUSTRALIA 02 MAURICE BLACKBURN YOU RE WORTH FIGHTING FOR. If you are hurt, injured, or are facing an unfair situation, you and your family

### 16 Steps to Getting a Fair Settlement for Your Injuries

The Petrylaw Personal Injury Reports 16 Steps to Getting a Fair Settlement for Your Injuries 1. Do not talk to anyone except your doctor, attorney or the police officer at the scene. Do not speak with

### How Do People Settle Disputes? How a Civil Trial Works in California

Article brought to you by the Administrative Office of the California Courts and California Council for the Social Studies in partnership for Civic Education How Do People Settle Disputes? How a Civil

### Kim: Thank you Todd, I m delighted to be here today and totally looking forward to our conversation.

Filename: P4P 019 The Facts of Life Insurance Todd: [0:00:18] Hey everybody, welcome to another edition of The Prosperity Podcast, this is No BS Money Guy Todd Strobel. Once again, we re lucky enough to

### MOTOR VEHICLE COMPENSATION CLAIM SUCCESS

MOTOR VEHICLE COMPENSATION CLAIM SUCCESS 6 WAYS TO RUIN YOUR MOTOR VEHICLE COMPENSATION CLAIM 6 WAYS TO RUIN YOUR MOTOR VEHICLE COMPENSATION CLAIM In this guide, we have outlined the 6 most common ways

### Gertler Law Firm. How To Choose A Personal Injury Attorney. A Guide to Finding the Right Injury Attorney to Help With Your Personal Injury Lawsuit

How To Choose A Personal Injury Attorney A Guide to Finding the Right Injury Attorney to Help With Your Personal Injury Lawsuit As an attorney who works regularly on personal injury lawsuits, I know how

### After 3 races the player with the highest winnings has won that day s racing.

Jockey 2-6 players Ravensburg Games Contents: 1 playing board 54 jockey cards 4 horses 1 pad of betting sheets play money This exciting game conveys all the suspense of the racetrack. In Jockey the players

### Everything You MUST Know. Before Hiring a Personal Injury Lawyer!

Everything You MUST Know Before Hiring a Personal Injury Lawyer! You Do NOT Have the Right to Reprint or Resell this Report! You Also MAY NOT Give Away, Sell or Share the Content Herein If you obtained

### HOW TO CHOOSE A COMPENSATION LAWYER

HOW TO CHOOSE A COMPENSATION LAWYER GUARANTEE YOUR BEST CHANCE FOR CLAIM SUCCESS What you need to know to make sure you have the best lawyer for your claim How to choose the best lawyer for your claim:

### Retainer Agreement and Information Personal Injury Contingent Fee

Retainer Agreement and Information Personal Injury Contingent Fee This document is a supplement to practicepro's managing the finances of your practice booklet. It reviews the steps you can take to better

### BUYING CAR INSURANCE IN SOUTH CAROLINA

BUYING CAR INSURANCE IN SOUTH CAROLINA Do you think your Auto Policy Protects You and Your Family For the Road Ahead? The Truth May Surprise You. Goose Creek 103 Laurel Ave. Goose Creek, SC 29445 Phone:

### BETWEEN DONALD BRASHEAR PLAINTIFF AND MARTY MCSORLEY DEFENDANT. (Issue: Is Marty McSorley liable for personally injuring Donald Brashear?

CIVIL MOCK TRIAL IN THE SUPREME COURT OF BRITISH COLUMBIA BETWEEN DONALD BRASHEAR PLAINTIFF AND MARTY MCSORLEY DEFENDANT (Issue: Is Marty McSorley liable for personally injuring Donald Brashear?) Order

### Seven Things You Must Know Before Hiring a DUI Lawyer

Seven Things You Must Know Before Hiring a DUI Lawyer 1 Introduction Some people don t quite understand the severity of getting a DUI. In many cases, your license is instantly taken away and you won t

### How to find a personal injury lawyer

How to find a personal injury lawyer Table of contents: Introduction - page 1 The nature of personal injury cases. - page 2 How do you tell a good lawyer from a not so good one? - page 3 Where to look

### WHAT YOU NEED TO KNOW ABOUT YOUR CAR WRECK CASE PAGE 1

WHAT YOU NEED TO KNOW ABOUT YOUR CAR WRECK CASE PAGE 1 GREENVILLE FOUNTAIN INN 330 East Coffee Street 218 South Main Street Greenville, South Carolina 29601 Fountain Inn, South Carolina 29644 (864) 601-9048

### FIRING YOUR LAWYER. Your Guide to: Even if you really think it s a good idea...it s usually not!

Your Guide to: FIRING YOUR LAWYER Even if you really think it s a good idea...it s usually not! SO, YOU ARE THINKING ABOUT FIRING YOUR LAWYER... About three times a week we get a call from someone who

### WHAT SHOULD I DO IF I HAVE AN AUTO ACCIDENT? 1. If I have an auto accident, do I have to stop? 2. What should I do if someone is injured?

WHAT SHOULD I DO IF I HAVE AN AUTO ACCIDENT? 1. If I have an auto accident, do I have to stop? 2. What should I do if someone is injured? 3. How can I get help? 4. What information should I gather at the

### What Is Small Claims Court? What Types Of Cases Can Be Filed In Small Claims Court? Should I Sue? Do I Have the Defendant s Address?

SMALL CLAIMS COURT What Is Small Claims Court? Nebraska law requires that every county court in the state have a division known as Small Claims Court (Nebraska Revised Statute 25-2801). Small Claims Court

### SHOULDN'T I JUST SAVE MYSELF THE MONEY I D PAY IN ATTORNEY'S FEES AND GO THROUGH THE INSURANCE COMPANY TO GET PAID FOR MY SLIP AND FALL ACCIDENT?

SHOULDN'T I JUST SAVE MYSELF THE MONEY I D PAY IN ATTORNEY'S FEES AND GO THROUGH THE INSURANCE COMPANY TO GET PAID FOR MY SLIP AND FALL ACCIDENT? This is the question that many clients ask when trying

Please share this report with your friends and family. If someone you know has been in a car accident, they will thank you for sharing this information with them. 2 Click here to contact us about your

### How to open an account

If you like a flutter on the horses or any other sport then I would strongly recommend Betfair to place those bets. I find it amazing the number of people still using high street bookmakers which offer

### 3 TRAPS THAT INSURANCE ADJUSTORS WILL SET FOR YOU..

3 TRAPS THAT INSURANCE ADJUSTORS WILL SET FOR YOU.. BUT READ THIS FIRST (AND CAREFULLY): You may be like many people who are in car accidents who want to try and handle your insurance claim on your own.

### A T T O R N E Y AT LAW

E R I C G R U E T Z N E R, R P.C. A T T O R N E Y AT LAW After an accident there are so many questions and what-ifs that go through our minds, that I have put together a list of some of the most recurring

### A Client s Guide to Personal Injury Mediation

A Client s Guide to Personal Injury Mediation 1 What is Mediation? Mediation is a way of settling your compensation claim. It is an alternative to going to court. It involves negotiation between you and

### Medical Malpractice VOIR DIRE QUESTIONS

Medical Malpractice VOIR DIRE QUESTIONS INTRODUCTION: Tell the jurors that this is a very big and a very important case. Do a SHORT summary of the case and the damages we are seeking. This summary should

### Personal Injury Compensation Guide. Winston Solicitors LLP

Personal Injury Compensation Guide Winston Solicitors LLP Compensation guide Here we provide a simple, plain speaking guide to no win no fee compensation claims for personal injuries in the UK. If you

### Chapter 11. The Forex Trading Coach Is Born

Chapter 11 The Forex Trading Coach Is Born The Forex Trading Coach company was officially launched in May 2009 and I decided to go ahead and establish the company and the website as a result of the tremendous

### Document hosted at http://www.jdsupra.com/post/documentviewer.aspx?fid=2066f4aa-63a1-461f-a364-221d2e99642d

How Much Is My ICBC Claim Worth? Each ICBC claim is unique. The value of any ICBC claim will depend on a number of factors including who is at fault, the type of injuries and the effect of the injuries

### TOP 10 MOST COMMON MISTAKES MADE IN HANDLING YOUR OWN INJURY CLAIM

TOP 10 MOST COMMON MISTAKES MADE IN HANDLING YOUR OWN INJURY CLAIM More times than not, your personal injury claim will be a battle with an insurance company. A highly trained adjuster will be assigned

### How to Beat Online Roulette!

Martin J. Silverthorne How to Beat Online Roulette! Silverthorne Publications, Inc. How to Beat Online Roulette! COPYRIGHT 2015 Silverthorne Publications Inc. All rights reserved. Except for brief passages

### Personal Injury And Fatal Accident Claims

Personal Injury And Fatal Accident Claims 1. What is a Personal Injury Claim? It is a claim for monetary compensation for injuries including physical, psychological and psychiatric. 2. Under What Circumstances

### Long-Term Disability A GUIDE TO YOUR INSURANCE CLAIM

Long-Term Disability A GUIDE TO YOUR INSURANCE CLAIM CANTINI LAW GROUP ATLANTIC CANADA S INJURY LAWYERS Table of contents 3 Background information about LTD insurance What is LTD insurance? How is LTD

### Your Quick Reference for Florida Auto Accident Law

Call Us Now (813) 269-7421 FREE Consultation Your Quick Reference for Florida Auto Accident Law At the Law Offices of Martin Schwartz, we are here to take care of your legal needs in the aftermath of an

### Information Sheet Updated March 2007

Duty of Care and Negligence Villamanta Disability Rights Legal Service Inc. Information Sheet Updated March 2007 What is Negligence? Negligence is when someone who owes you a duty of care, has failed to

### Take Creditors and Collection Agents to Small Claims Court

Take Creditors and Collection Agents to Small Claims Court By Debt Consolidation Care s Community Members Website: http://www.debtconsolidationcare.com/ ISBN: 0-9774442-9-5 1 INDEX Take creditors and collection

### Consumer Federation of America s

Consumer Federation of America s Guide to Navigating the Auto Claims Maze: Getting the Settlement You Deserve You ve just be involved in a fender bender with another vehicle. Your car is damaged but drivable.

### Video Course Evaluation Form. Atty ID number for Pennsylvania: Name of Course You Just Watched

Garden State CLE 21 Winthrop Road Lawrenceville, New Jersey 08648 (609) 895-0046 fax- 609-895-1899 Atty2starz@aol.com Video Course Evaluation Form Attorney Name Atty ID number for Pennsylvania: Name of

### The Top Things You Can Do To Screw Up Your Colorado Car Wreck Case

5 The Top Things You Can Do To Screw Up Your Colorado Car Wreck Case Gordon and Barkley Heuser Heuser & Heuser LLP The Top 5 Things You Can Do To Screw Up Your Colorado Car Wreck Case As you know, auto

### Seven Things You Must Know Before Hiring a DUI Attorney

Seven Things You Must Know Before Hiring a DUI Attorney Seven Things to Know Before Hiring a DUI Attorney Copyright 2014 SmartWeb Online 1 Introduction Some people don t quite understand the severity of

### ATTENTION: Accident Victim!!!

HERE S THE SPECIAL REPORT YOU REQUESTED... ATTENTION: Accident Victim!!! FREE SPECIAL REPORT REVEALS: INSIDE SECRETS INSURANCE COMPANIES DON T WANT YOU TO KNOW ABOUT YOUR INJURY CLAIM. By Garry S. Malin,

### Quick Preview PROPERTY DAMAGE

Quick Preview PROPERTY DAMAGE You are you first priority, take care of you first Understand rental insurance, towing and storage costs Figure out what kind of insurance coverage you have Choose a reputable

### SPECIAL REPORT THE FIVE STEPS TO SUCCESS IN YOUR INDIANA CAR ACCIDENT CASE

SPECIAL REPORT THE FIVE STEPS TO SUCCESS IN YOUR INDIANA CAR ACCIDENT CASE GUY S. DIMARTINO, DC, JD INDIANA CAR ACCIDENT LAWYER 1000 WASHINGTON STREET MICHIGAN CITY, IN 46360 (219) 874-4878 www.michigancityinjurylaw.com

### Making a claim Everything you need to know

Making a claim Everything you need to know If you re thinking about making a claim you ll want to get an idea of what the process involves, how much compensation you could be awarded and whether your claim

### The Consumer s Guide to Firing Your Virginia Lawyer

Firing Y o u r L a w y e r The Consumer s Guide to Firing Your Virginia Lawyer (If you really think it s a good idea... and usually it s NO T! ) by Ben Glass The Consumer s Guide to Firing Your Virginia

### A Professional Law Corporation 419 S. State Street, Suite A-100 Jackson, Mississippi 39201 (601) 969-1977

Board Certified - Civil Trial Practice National Board of Trial Advocacy Licensed in Mississippi and Louisiana Law Offices of Paul Snow A Professional Law Corporation 419 S. State Street, Suite A-100 Jackson,

### MA 1125 Lecture 14 - Expected Values. Friday, February 28, 2014. Objectives: Introduce expected values.

MA 5 Lecture 4 - Expected Values Friday, February 2, 24. Objectives: Introduce expected values.. Means, Variances, and Standard Deviations of Probability Distributions Two classes ago, we computed the

### LESSON 7. Managing the Trump Suit. General Concepts. General Introduction. Group Activities. Sample Deals

LESSON 7 Managing the Trump Suit General Concepts General Introduction Group Activities Sample Deals 170 Lesson 7 Managing the Trump Suit GENERAL CONCEPTS Play of the Hand Drawing trumps Playing the trump

### A lawyer and her client weigh in on the overtime scam

A lawyer and her client weigh in on the overtime scam BY Paul Solman June 18, 2015 at 2:48 PM EST Working overtime doesn t always equate to overtime pay. Photo by Getty Images Editor s Note: In his 2015

### MINIMIZING THE SOCIAL SECURITY WORKERS COMPENSATION OFFSET. James D. Leach 1

MINIMIZING THE SOCIAL SECURITY WORKERS COMPENSATION OFFSET James D. Leach 1 This article was published in The Practical Litigator in 1994. At the request of WILG, I updated it to take account of any changes

### ZOFRAN: WHAT YOU NEED TO KNOW ABOUT IT

ZOFRAN: WHAT YOU NEED TO KNOW ABOUT IT 1 When people seek relief from nausea, they might eat a few crackers, drink ginger ale, or take an over-the-counter medication like Pepto-Bismol. But, when the nausea

### DUI FAQ Guide. FAQs to Help Guide You Through The Florida DUI Process

DUI FAQ Guide FAQs to Help Guide You Through The Florida DUI Process Randy Berman, Esq. Law Offices of Randy Berman (561) 537-3877 RandyBermanLaw.com A Simple guide for someone recently arrested for a

### Clinical Negligence: A guide to making a claim

: A guide to making a claim 2 Our guide to making a clinical negligence claim At Kingsley Napley, our guiding principle is to provide you with a dedicated client service and we aim to make the claims process

### Lay Betting Selection System. Strike Rate!!

Strike Rate!! Introduction Firstly, congratulations of becoming an owner of this fantastic selection system. You ll find it difficult to find a system that can produce so many winners at such low liability.

### How to Handle your Own NC Personal Injury Claim

How to Handle your Own NC Personal Injury Claim Jeffrey Allen Howard, Attorney at Law, PLLC jeffreyhowardlaw.com 919-929-2992 Jeffrey Allen Howard Jeffrey Allen Howard is the owner, operator, and managing

CAR ACCIDENT GUIDE TABLE OF CONTENTS Page Introduction... 1 First Step... 1 Finding and Hiring a Lawyer... 1 Financial Arrangements... 2 Your Claim... 3 Documenting Your Claim... 5 Parties to the Claim...

### What To Do When You ve Been Injured in a Car Accident

JASPON & ARMAS, P.A. Authored By: What To Do When You ve Been Injured in a Car Jeremiah Jaspon This resource is provided by Jaspon & Armas, P.C. 301 South Orlando Avenue Winter Park, FL 32789 (407) 513-9515

### Pay per Click Success 5 Easy Ways to Grow Sales and Lower Costs

Pay per Click Success 5 Easy Ways to Grow Sales and Lower Costs Go Long! The Benefits of Using Long Tail Keywords clogged sewage line, I ll see a higher conversion How many keywords are in your pay-per-click