The system is rigged against people that represent themselves
I know its provocative, but the American legal system is rigged – against people that represent themselves.
Abraham Lincoln said “[a] man who represents himself has a fool for a client.” If that was true in the 1800’s, it is even more so today.
Insurance Companies are not your friend
If you’ve been hurt at work or in a car wreck or in any other situation, don’t count on the insurance companies having your back. They may be rude, they may be kind, but they have one goal: keeping as much of their money as possible.
We get many calls from clients who represented themselves when the insurance company begins to play hardball. Unfortunately, by then it is more difficult to level the playing field – the insurance company has already begun to shape the claim in a way that will result in them paying less money than they should to resolve the claim.
The Insurance Industry hides behind its customers
One way an insurance company rigs the system is that you can’t sue them directly. Even though they pay the money, hire the lawyers, pay the experts, and make the decision on what cases get tried and what cases get settled, if you go to court, you have to sue the “little old lady” who hit you.
Why? Sympathy. They know that a jury of your peers is less likely to punish a little old lady than a faceless insurance company.
It’s like suing Goliath, and Goliath trotting out David in his defense.
Then, they hope you don’t want to sue the person directly. You don’t want to be “mean.”
A competent attorney will be able to cut through this game of pretend. They will understand the motivations of the adjuster, the insured, and the lawyers hired by the insurance company.
Insurance Companies Can Afford to Sink Money Into Your Claim
Many times, people will ask: “If the insurance company is doing that, why don’t they just pay the claim?”
The answer is: because they don’t want to. And it is hard to make them, without a lawyer.
Insurance premiums seem to go up every year. However, average claim payments have decreased since a peak in the 1990’s.
The insurance company has a simple motto: delay, deny, defend.
A competent lawyer knows how to defeat these spending tactics. They also will front the costs of case expenses to level the monetary playing field.
However, even some lawyers are now getting into the game of “running up the expense clock.”
Make sure your fee agreement with a lawyer doesn’t charge you interest on expense payouts. Some big advertising firms charge as much as 18% per year on advanced expenses.
We don’t do that. We fight so you don’t have to. We front the money so you don’t have to. We don’t make money on keeping your case expenses outstanding.
Don’t be a mark. If someone made a choice that hurt you, make sure you hold them (and their insurance company) accountable. Otherwise, the insurance companies will just keep your money to themselves – they aren’t going to lower premiums just because you settled for cheap.
Give us a call if you want someone to represent you. (270) 599 – 0642. The first consultation is always COMPLETELY FREE.