Current Issue

October 2007, Volume 4, Issue 6 Writing Letters to Insurance Claim Adjusters to Confirm Arrangements

• Do not rely on the insurance adjuster to take accurate notes of your conversations
• How to correct or supplement information that has perviously been given
• Example confirmation letter following your first call with the insurance adjuster

Previous Issues

May 2007, Volume 4, Issue 5 Introduction to Subrogation

• What is subrogation?
• What you should know about the defenses to a subrogation claim
• How to work this issue to your advantage if you decide to hire an attorney

April 2007, Volume 4, Issue 4 Your Guide to Caring for Your Damged Vehicle After an Auto Accident

• What should you do about your damaged vehicle immediately after the accident?
• How to select the best auto body shop
• Rental car rights
• When to hire a collision repair specialist

December 2006, Volume 4, Issue 3 Your Guide Through the Sometimes Complicated & Mysterious Collision Repair (or Replacement) Process

• How to identify the players without a program: basic definitions in auto body repair and replacement
• Frequently asked questions on car wreck repair answered by Dr. Settlement
• Useful resources for auto accident property damage questions and insurance adjuster relationships

October 2006, Volume 4, Issue 2 Diminished Value of Your Vehicle—What it is And How to Make a Claim for a Cash Insurance Settlement

• Frequently asked questions on diminished value
• A comprehensive guide through the collision repair process
• How to protect your investment through intelligent use of professional services

August 2006, Volume 4, Number 1 What to Do When a Hit & Run Driver or Phantom Car Causes Personal Injuries and Property Damage

• Six ways to prove that your auto accident was caused by a phantom car
• Factors that will increase or decrease the value of your claim
• Hit and run or phantom car insurance claims require special cooperation with your insuarce company

October 2005, Volume 3, Issue 10 Factors That Will Increase or Decrease the Value of Your Personal Injury Claim

• Nine proven ways to ruin your chances of getting a fair injury award
• List of the factors that will increase or decrease your injury settlement
• Determining the value of general damages

September 2005, Volume 3, Issue 9  Insurance "Independent" Medical Examinations (IME)

• What is an IME?
• Why would you have to get an IME?
• Avoid “claims factory” IME doctors

August 2005, Volume 3, Issue 8  Chiropractic is THE Most Effective Means of Treating Soft Tissue Accident Injuries

• Chiropractors are more likely to understand and support your pursuit of an injury claim
• More likely to work on a lien basis when insurance refuses to pay for services
• Chiropractic treatment helps you feel better, faster
• Find a competent and caring chiropractor near you

July 2005, Volume 3, Issue 7 Statute of Limitations

• What does the statute of limitations mean to my injury case?
• How can I find out what the statute of limitations are in my state?
• Are there any exemptions to the statute of limitations?

June 2005, Volume 3, Issue 6 What to Do when You Receive No Response to Your Demand Letter

• Is there a standard requirement for the adjuster to respond within a certain time frame?
• How long should you wait for a response?
• What should you do when there is NO RESPONSE to your demand letter?

May 2005, Volume 3, Issue 5 - Policy Limits Settlements in Personal Injury Insurance Claims

• Special preview of our new policy limits section
• Four initial topics to consider if you have suffered a serious bodily injury that might exceed insurance policy limits
• Should you accept the full insurance policy limits for a complete settlement of your personal injury?

April 2005, Volume 3 Issue 4 - Denial of Chiropractic Payments by the Adjuster

• Denial of benefits by discounting chiropractor billings that “exceed reasonable and customary” charges
• Why your insurance SHOULD pay
• How to get your insurance to pay these charges

March 2005, Volume 3 Issue 3 - Denial of Chiropractic Payments by the Adjuster

• Denial of benefits by alleging that chiropractic care is “palliative, not curative”
• Why your insurance SHOULD pay
• How to get your insurance to pay these charges

February 2005, Volume 3 Issue 2 - Minor Claims

• Is an Attorney Required to Present the Minor Settlement for Approval?
• What Are the Costs and Fees For  Obtaining Court Approval for Settlement of a Minor's Insurance Injury Claim?
• Who Pays for This Approval Process?

January 2005, Volume 3 Issue 1 - Witnesses

• Why YOU should contact witnesses before the adjuster
• How to get information from your witnesses
• How to present witness information to the insurance adjuster
• What format to use to give your witness the most credibility

December 2004, Volume 2 Issue 12 - When Should I Send My Demand Letter?

• Do not settle until all permanent injuries are realized
• It can be to your advantage to send your demand letter while you are still under active treatment
• Can you reopen the claim later?

November 2004, Volume 2 Issue 11 - What to do if you gave a recorded statement to the insurance adjuster

• Why it is so important to know what you said
• Why the insurance adjuster's record needs to be supplemented
• Get a copy of your statement or writing ASAP

October 2004, Volume 2 Issue 10 - Handling the First Call from the Insurance Adjuster

• No tape recording
• Keep your resolve to pursue this claim
• Resist overtures toward an early settlement

September 2004, Volume 2 Issue 9 – Should You Hire An Attorney To Settle Your Personal Injury Claim?

• Should I hire an attorney?
• It is legal to settle it myself?