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Claims Adjuster Can’t Stand His own Insurance Company

You think you’re having a hard time with an insurance company. Getting the run-around? Think you’ve spent a lifetime paying for insurance only to find out the hard way that when you make an insurance claim your own insurance company, which is so nice when it wants you to pay your premiums, heads for the hills when you make your first injury/ insurance claim.

Don’t feel so bad.

Just the other day I had a nice chat with an old friend of mine, someone I respect, someone who, after serving our country admirably and courageously in Viet Nam, went to work in the insurance industry as a claims representative. He’s been doing it for many years, over 40 years in fact.

My friend, who must remain nameless due to the fact he still works for a very large and powerful insurance company handling personal injury and accident claims, was complaining about how things have changed in the insurance industry– and for the worst.

He remembered the day when management actually trained and trusted their own people to settle injury claims without a lot of micro-management. The adjusters were given sufficient and ample authority– permission– to work out injury settlements with victims and their lawyers. The goal was to settle good cases. Nobody should ever expect any insurance company to pay anything on a frivolous claim.

The saying was: ” The only good file is a closed file.” And so it was that, by and large, everyone was working toward the goal of reaching a fair settlement with the least amount of grief and aggravation to close the case. Good for the company; good for the injury victim.

Today my friend tells me things are different, and I know they are. Seems like the bureaucracy has gotten worse. Supervisors half his age, and without any measurable experience in claims or life, are hired to look over his shoulder at every move in an attempt to pinch pennies and, ultimately, short-change injury victims.

Now my friend is very good at his job, and has given a lot of his life to the company. To his credit, he also has a sense of honor and, I truly believe, is one of the adjusters who try to be fair to injury victims too ( there are some out there and they deserve recognition). It is on this point that he runs into deep trouble and problems with management, and they do what they can to reign him in.

His reward for loyal and good work for the insurance company? A strong sense that they want him out; that they can hire someone new for a lot less; and that they will make his final days, weeks or years behind the desk, pure hell.

So, how can we expect insurance companies to actually care about injury victims? The only thing it understands is a case well prepared, and that the injury lawyer on the other side means business.

The enemy I’ve come to learn is usually not the claims adjuster you end up dealing with. He or she is probably just as unhappy with the insurance company as you are and has probably been short-changed by the insurance company, too. In reality, the injury victim and the insurance claims adjuster have a lot in common.

I blame the big shots at the top who make the rules and set the corporate rules and policies that infect and poison the entire company. It’s really a form of economic extortion. They force good people to attempt to short-change injury victims to take less, or find a job somewhere else. It’s the new way of doing business, and it’s no good for anyone.

The same insurance company that tries to get you to settle for less than you deserve is treating its own people the exact same way. It has no conscience and only cares about one thing– corporate profit at any cost. Sound familiar? Didn’t that mentality just about run some of these companies into the ground?

I’ve been in the injury law business for over 25 years, and I’ve seen a lot. I can help you and your family make the very best of a difficult situation.

As for my good, old insurance friend, he just counts the days he has left, and looks forward to the day he can sit on the shores of Lake Michigan drinking a cool one and enjoying retirement. And with the way the insurance companies have been doing business, he hopes his pension checks will cash.

Keep your strength.
Charlie Donahue
Injury law/ accidents and personal injury, including medical malpractice and wrongful death claims.

Get an insurance check-up

If you have an insurance agent make sure you get a yearly physical. It is important to go over all your coverages to make sure everything is in order.

Don’t be afraid to shop around if you don’t like your quoted premiums. Insurance is pretty competitive these days, and there’s bound to be a company who’d love to do business with you

There are lots of good insurance agents. Find one who will take some time to go over, and review, your needs. Circumstances change, and it’s important to make sure you have appropriate coverages– be it auto, home or life insurance coverage.

My website has a section dedicated to an ” insurance check- up” which gives helpful information. Check it out.

If you go without an agent, just be careful to make sure you’ve covered all the bases.

Don’t just go with the cheapest company. Price is always important, but sometimes it is better to pay a little more and get good, professional service and advice.

If your child is away at college, and has his or her own auto, keep in mind that insurance laws and coverages differ from state to state. My oldest son goes to college in Texas and has an insurance agent in San Antonio. My daughter who lives in California took my advice and bought an umbrella policy, but unlike NH, it does not contain uninsured motorist coverage.

In some states ( like Texas) the owner of a vehicle is automatically responsible for the negligence of the driver. That is not the case in New Hampshire. This is good to know if your child is driving your vehicle out of state.

As an injury lawyer in practice for 26 years, I’ve seen more than my fair share of needless suffering, and many cases where the parties simply didn’t have adequate insurance coverage.

Please take the time to get it right. And, remember you are the consumer. Make sure your insurance company treats you right, and if they don’t, take your business somewhere else.

Donahue Law is based in Keene, NH., but we handle cases all over the State of New Hampshire, and, with connections, cases across the country.

I’d be honored to help you.
Charlie Donahue, injury lawyer

Check your Uninsured Motorist insurance coverage today

It takes no great leap of faith to know that I am no fan of the insurance industry. I don’t like the way most of them do business. Progressive, or as I call it, “Regressive,” is at the bottom of the barrel. I’ve dealt with a few straight-shooters from that insurance company, but not many.

Most of the companies do a poor job of making sure their customers have adequate insurance coverage. I see it all the time, but it is usually too late to do something about it.

I ask all of you to make sure you have adequate UM coverage. This protects you when you or a loved one gets injured by someone who is uninsured– without any insurance, as well as those who are underinsured– having less coverage than you bought.

Why do I want you to buy more UM insurance coverage?

Well, it’s not to benefit the insurance company. And it’s not because they pay me on the side to help with sales, that’s for sure.

It’s because in New Hampshire a driver does not have to have any auto insurance. And, many drivers only carry a minimum policy of $25,000., which does not go very far these days, especially if someone has a serious injury.

UM coverage is your own. You can take action to protect yourself against the other guy, who is often-times at fault and without insurance, or with a puny policy. Isn’t that the way it goes? There are many irresponsible drivers out there. Don’t take any chances. You can, and should, protect yourself and your loved ones.

If you carry adequate UM insurance coverage, it can make all the difference in the world. Basically you will be guaranteed coverage up to the limits you buy.

These days it’s worse than ever. We have been in a serious recession for a few years, even though the government only recently came around to say so, and we are on the verge of a depression. I am concerned that many good, hard working folks will not be able to buy auto liability insurance coverage. Lots of people are out of work and unable to afford insurance.

Since it’s not mandatory in NH, and it shouldn’t be in a free country, many people will be forced to go without insurance coverage. Now’s the time to get the right coverage.

This is just some old- fashioned, in- your- face, straight-talk from an injury lawyer who has seen a lot of needless suffering.

If you have any questions, I’d be happy to give you free advice on this matter.

At Donahue law firm in Keene, N.H., we handle all sorts of personal injury cases, including wrongful death claims, serious auto accidents and medical malpractice cases against irresponsible and uncaring medical professionals (good,caring doctors should not be sued).

It costs nothing to talk with me, and I don’t get paid until you win.

Peace.
Charlie Donahue, injury lawyer

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Atticus Finch was right:
“You never really understand a person until you consider things from his point of view…until you climb into his skin and walk around in it.”

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