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Medical Negligence - Dental Malpractice

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									Medical Negligence - Dental Malpractice
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Medical Negligence - Dental Malpractice



Any kind of negligence or poor quality dental care can be defined as dental
malpractice. Having a dental treatment can be an unnerving experience and
damage or side effects can occur; however in some cases this is often
unavoidable.



Dentists have as duty of care towards patients to ensure that they receive
proper treatment and the majority of dentists are successful in helping their
patients to achieve good oral health. Dentistry is a difficult and rewarding
profession and the medical practitioners involved in this skilled profession
work long hours and use the best equipment to get surgery completed with
minimal discomfort.



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home/
The average person probably doesn't understand much about dental treatment
and because of this we put our full trust and confidence into the dentist
working on our teeth. In order to protect us when it comes to the dental work
that we have carried out the General Dental Council (GDC) was set up.Mortgage
Calculator.How+To+Handle+Customer+Complaints? PicturesMedical Negligence -
Dental Malpractice The GDC regulates the dental professionals within the UK
and works to protect patients and promote confidence in the dental profession.
This is because all dental patients are entitled to high standards of
professional and personal behaviour from those providing their
care.Countrywide Home Loans.



As part of their duty to protect the public the GDC have always had the power
to take action by either removing or restricting a dental professional's
registration on the Dental Professionals' Register. This gives you peace of
mind that if the worse does happen that action can be taken against the dental
professional who caused that damage.



If the worst happens when you are undergoing your dental treatment and you
end up suffering as a result you could be entitled to make a claim for
compensation. If the standard of care shown by a dental practitioner slips
below the acceptable level then you may have a case for compensation. Below
are just a few example of what constitutes being medical negligence when it
comes to dentistry:



Dental Malpractice
oFailure to fully detect an oral disease or malformation
oImproper utilisation of dental or surgical utensils



oInstallation of defective dental products



How To Write A Complaint Letter?
oPersonal injury to oral cavity or surrounding bone and tissue



oWrongful death due to dental procedures or anaesthetic



Dental malpractice can occur under a number of different circumstances such
as a missed diagnosis; when a dentist fails to see an injury or dental problem
and as a result of this the problem worsens. Another example is an incorrect
diagnosis, which is when a dental practitioner fails to carry out work or
they undertake work that results in you being in more pain.



How To File A Complaint Against A Doctor?
Two other factors that could play a part in medical negligence are careless
work and drug usage error. If a dentist carries out careless work it can cause
personal injury and in a case of drug usage error a dentist may administer
them incorrectly or fail to see if an allergic reaction occurred.



If you feel like you have been let down by the dental profession or you are
suffering pain as a result of the treatment that you have received then you
could be entitled to make a claim for compensation.



For information regarding where you stand legally with making a claim for
compensation get in touch with a legal firm today.



Medical Negligence - Dental Malpractice

,When you are paying for something and especially for something for your
vehicle you want to know it is worth the amount you pay. There are tons and
tons of auto body shops all over the place, however it is always hard to know
which one to go to and trust. It is hard nowadays to find a qualified and
trustworthy repair shop for your vehicle. One of the best ways to see if an
auto body repair shop or any other type of business is legitimate is if they
are part of the Better Business Bureau. So, is your auto body shop a member
of the Better Business Bureau?If you are still trying to figure out what the
Better Business Bureau is that is ok. The Better Business Bureau is national
member organization that uses codes of ethics, news alerts, databases, and
other programs to maintain a high level of trust between businesses and the
public. Because BBB accredited businesses must qualify for accredited
business status by adhering to certain standards, a business with a bad report
will be disqualified for accredited business status. However, this doesn't
mean that a business that is not an accredited business has a bad report or
would not qualify for accredited business status. The business has to reach
out to the Better Business Bureau to ask for their support.The Better Business
Bureau is neutral it does not act on behalf of the business or the consumer.
It is really just a way for business to keep in good standing for the public
to see and for consumers to view accreditation before conducting business
with a business. Through the support of their accredited businesses, BBBs
work for an ethical marketplace by maintaining standards for truthful
advertising, investigating and exposing fraud against consumers and
businesses and providing information to consumers before they purchase
products and services, however they will also help settle disputes but remain
neutral through the process. If the business does not settle the consumer
complaint they can lose the backing of the Better Business Bureau. So, you
can see why you would want you auto body shop to have accreditation with a
Better Business Bureau.Since your vehicle auto body repairs can be costly
and time consuming you should make sure you choose the repair shop wisely.
Check to see if they have accreditation with the Better Business Bureau, this
will show you that they deal fairly and honestly with their customers. If
they are a member of the Better Business Bureau you can go to the Better
Business Bureau website and look them up. This way you can find out if they
are currently a member and for how long. You can also find out company
information like the owner, services offered and type of business it is. You
can also see if there were any complaints made against the business and if
they were resolved. Every business will get complaints here and there; you
want to make sure that your auto body shop resolved the complaints.So, choose
an auto body shop that is a member of the Better Business Bureau!,,Homeowners
looking to save money on their monthly mortgage payment, or save their home
from foreclosure, you are in luck. Ditech is ready to participate in President
Obama's "Making Home Affordable" plan, which is a refinancing and home loan
modification plan which millions of homeowners can benefit from. Here is
how:Homeowners everywhere are now eligible to use Obamas mortgage stimulus
plan, and get a new, lower, monthly mortgage payment through refinancing and
mortgage modification. The guidelines in Obamas plan have over $75 billion
in funds to help homeowners. This money will be used primarily to give to
mortgage lenders and banks who approve "at risk" or homeowners facing
"financial hardships". This will allow lenders like Ditech to approve more
homeowner applications for refinancing and mortgage modification. It has
never been easier or more beneficial for a homeowner to get approved fro
refinancing through Ditech, even if you have been denied before. Homeowners
facing "Financial Hardships" will receive extra help from Ditech. These
financial hardships can be a lot things from loss of a job, to reduced income,
high hospital bills, bad debts, bad home loans, and a whole long list of other
circumstances. Homeowners who refinance through Ditech with a financial
hardship should include a letter stating their hardships, with an emphasis
on needing a lower monthly mortgage payment to help. This letter will greatly
help homeowners get approved for refinancing or mortgage modification through
Ditech.A lot of homeowners have seen their homes lose value due to the hurting
economy and worse housing market. These homeowners can now get approved
through Ditech for a refinance or mortgage modification. This will help lower
the monthly home loan payment, which will help homeowners stay in their homes
and not lose them to foreclosure or defaulting on their mortgage. The new
mortgage through Ditech can not be more than 31% of a homeowners gross monthly
income. This will instantly reduce a lot of homeowners monthly payments by
20% or more, which is a huge savings.is truly a good option for homeowners
who need to save money. This plan from Obama makes getting approved, and into
an affordable home loan, easier than ever. Millions of homeowners can take
advantage of this plan, right now, and see the savings start next month.
Homeowners should look into the potential savings through this plan and take
action accordingly.,,State Departments of Insurance report that
dissatisfaction with claim settlements is the top reason consumers file
complaints with them. Sometimes it is the fault of the insurer, and sometimes
it is the policyholders' fault for not having the right coverage.Today, I'm
going to walk you through the process of filing an insurance claim complaint.
I'm going to use the process here in the state of Georgia, where I live. The
process in your home state will be very similar, and can be found at the website
of any state's Department of Insurance. Or, you can phone your Department
of Insurance and they will likely either tell you how, or send you printed
information on the complaint process.You may file a complaint with the
Department of Insurance if you cannot resolve your dispute directly with your
company. You can even file your complaint if you haven't been through the
appraisal process (found in your policy).The Consumer Services Division of
the Department of Insurance provides consumer information and investigates
complaints about companies and producers. They handle most insurance problems
involving home, business, auto, health, HMO, life, credit, dental, etc. Those
problems may include coverage issues, claim disputes, premium problems, sales
misrepresentations, policy cancellations, and refunds, just to name a few.
They will also investigate a complaint against a Public Adjuster.The Consumer
Services Division will not:oGive you legal advice or act as your
attorney;,oRecommend an insurance company, agent or policy;,oResolve a
dispute when the only evidence is your word against the word of the adjuster,
producer or company;,oMake determinations related to the facts of a case.
For example, they will not conclude who is at fault in an accident or determine
the disputed value of damaged or stolen property;,oResolve complaints against
service providers, like body shops and restoration contractors unless the
complaints involve the action of the insurance company. For example, they
could resolve complaints against a restoration contractor that the insurance
company required you to use;,oMake medical judgments.The Department of
Insurance recommends:oRead your policy carefully. It is important to know
what your policy covers prior to having a loss. If you have questions on the
coverages you have purchased have your Agent provide you an explanation.oKeep
copies of all correspondence between you and the insurance company. When
communicating with your insurance carrier keep track of the phone numbers
you called, the date and time of the call and the name and title of the
individual you spoke with. After the call keep notes on what was
discussed.oAsk the company for the specific language in the policy related
to your claim. Determine whether the disagreement is because you and the
insurance company interpret your policy differently. If there is a
disagreement on the language in the policy you can seek assistance through
the Consumer Services Division by filing a complaint and providing the
documentation which will include the policy language in dispute.oIf at all
possible take pictures or videos of your contents in your home and do this
periodically which will help in the event of a loss. Keep the pictures or
video in a safe deposit box or somewhere other than the home.AVOIDING AUTO
AND HOMEOWNER CLAIMSoKeep all receipts for repairs you make to your property
after damage. Auto and homeowners policies may require you to make reasonable
and necessary repairs to protect your property from further damage. Your
policy covers the cost of these repairs. Keep the damaged property for the
claims adjuster to inspect. If possible, take photos or videos of the damage
before making temporary repairs.,oDon't make permanent repairs until the
adjuster has inspected the damage.,oAsk the adjuster for an itemized
explanation of the claim settlement offer. For homeowners claims, this should
include sales tax, depreciation, and holdback depreciation for policies with
replacement cost coverage. Holdback depreciation is an amount of money
withheld from your claim settlement until repairs are finished or the items
are replaced. Ask how the adjuster determined the estimate amount.,oBe
prepared to discuss your claim if there is a disagreement on the settlement
offer. The more documentation you have on items owned will make the process
easier.If you do have a claim dispute, contact your insurance company
first.When contacting your insurance company have your policy number ready.
Ask where your written dispute needs to be sent. State your complaint and
how you expect the company to resolve it. Sending the dispute in writing
encourages a written response.Document your phone calls by noting the phone
number you called, the name of the person with whom you spoke, the date of
the call and a brief summary of the conversation. Keep copies of all written
communications.In addition to the written complaint, send copies (not
originals) of letters, notes, invoices, canceled checks, advertising
materials, or other documents that support your complaint.The DOI Complaint
FormThe DOI Complaint Form is a document that can be completed, printed and
submitted with copies of documents that support your complaint. Obtain this
form at the DOI website or phone them and request a copy be sent to you by
mail. This will enable them to set up a case and eliminate the need for them
to request documents, and reduce the delay in providing a response. Always
keep your original documents for your records.To help ensure that the
Department of Insurance receives all necessary information to investigate
your complaint, include the following information with your complaint:* your
name, address, daytime telephone number and email address* the exact name
of the insurance company* the full name of any agent or adjuster who may be
involved* your policy number* your claim number and the date of your loss,
if applicable* a copy of both sides of your insurance card* a concise
description of your problem* copies of all supporting documentation,
including invoices, canceled checks, advertising materials, and any letters
between you and the company or agent.What will the Department of Insurance
do to resolve your complaint?* Send a copy of your complaint to the entity
you complained against and request a detailed written response.* Determine
if your issue was handled appropriately under the terms of the policy or
certificate of coverage.* Review your file to determine if the insurance
company, insurance agent, or adjuster violated state insurance laws.* Take
enforcement action when laws are violated.Even though they may not always
be able to help you resolve your complaint, your complaints and inquiries
help the DOI to assist other policyholders by identifying issues of concern
and may help identify potential problems with insurance companies, agents,
or adjusters. Their involvement can also cause insurance entities to look
more closely at your concerns.What happens after you file a complaint with
the Department of Insurance?* You will receive an acknowledgment letter,
advising who the investigator is and their contact information. Your Case
Number shown on the letter is for the issue submitted to the Department. The
case number should be used to send additional information to the Department
on your case.* If you have future complaints you will get a new case number,
acknowledgement letter and the new investigators name and contact
information.* The DOI will notify the company of your complaint and ask for
a detailed response. They will send you a copy of the company's response,
with their formal letter regarding the completion of our investigation. The
review will result in one of the following actions:o If the complaint has
been resolved, they will send you a letter explaining the resolution.o If
an insurance law has been violated, they will request corrective action by
the company.o If the company is not abiding by the policy, they will request
corrective action.o If the insurer or producer has not responded to all
questions or has not investigated the complaint thoroughly, they will require
them to do so.What happens if you are not satisfied with Department of
Insurance results?If you disagree with the Department's response to your
complaint, contact the Consumer Services Division and ask to speak with a
Supervisor.You may wish to consult an attorney to discuss your concerns. You
may also request alternative dispute resolution (ADR) to settle disputes with
your insurance company on property claims. ADR uses techniques such as
mediation with a neutral third party to help settle a dispute outside a formal
court of law. Please consult your telephone book for listings for attorneys
and mediation services.Now you have a basic knowledge of the complaint
process. Remember, the Departments of Insurance exist to regulate insurance
companies and protect consumers. Don't be shy about enlisting their help.
That's why they exist.,,Ten powerful steps to diffuse angry customers,
address the issues and sustain customer loyalty.1. Assume that the Customer
has a Right to be AngryNobody makes mistakes on purpose, but they do happen.
If you are working in a call center, behind a counter or in any capacity that
directly interfaces with customers then you are going to encounter an irate
customer at some time. The most common response is to evaluate the merit of
the complaint while your are listening to it. Try to curb that common response
and replace it with the assumption that the customer has a right to be angry,
even before you know the details.Perhaps the customer feels betrayed because
the product or services did not meet expectations. The customer may be angry
because he or she made incorrect assumptions that led to improper
expectations. The customer may be angry because of previous experiences,
previous contacts with your company or simply because the problem occurred
at a very inconvenient time in the customer schedule. Regardless of the
circumstances, acknowledge the customer has the privilege to be irate. Listen
carefully to how the anger is expressed so you can find the root cause of
the emotion.2. Listen to Emotion without EmotionListen to the inflections
and emphasis that the customer places on specific topics to identify the
emotional catalyst. Listen to the emotion as well as the words. This will
help you to identify the specific item or items that need primary attention.
Resolving a technical issue may be only partially effective if it does not
also address the customer emotional concerns. It may not be possible to
completely resolve the emotional distress, but it is appropriate to
acknowledge it.Imagine that a customer experienced a technical malfunction
when downloading digital images of a special event, wedding or family
vacation. The technical issue may be related to hardware or software, but
the emotional distress is related to the risk of losing precious memories.
While it is necessary to correct the technical issue, it is also appropriate
to acknowledge the risks that create the emotional response. Try to preserve
the precious memories or at least explain why they can not be retrieved, but
do not ignore the emotional catalyst.Do not respond with emotion. Remember
that the customer anger is not directed at you personally, even if the customer
language is directed at you. If the customer language is attacking and
borderline abusive, it is because the customer is looking for acknowledgement
and response to the emotional distress as well as the technical or
administrative issues. It may be necessary to repeatedly acknowledge the
customer emotion to diffuse the situation and reassure the customer that you
are attentive to the importance of the emotional distress as well as the
technical issue.3. Be PatientCustomer conversations come in waves. When the
customer is at the peak of expressing anger, sorrow or distress, be patient
and listen. It is not effective to interrupt the customer when he or she is
venting combustible sentiments. It is like pouring gasoline on a raging fire.
Rather, wait for the waves of emotion to recede and then use that opportunity
to interject with reassuring comments.Sometime the customer anger will erupt
and return like another set of waves. When that happens, be patient and wait
for the customer to run out of gas before you approach the fire again.
Reiterate your compassion, acknowledge the customer right to be angry and
the catalyst for the emotional distress. Takes quiet deep breaths and wait
patiently for your turn to speak.4. Speak SoftlyIf you encounter a loud and
abusive customer, respond by speaking softly and with a very steady tone.
If you try to shout over the customer or interrupt, then the customer will
concentrate on the verbal battle for attention and will not pay attention
to the importance of your message. If you want your message to be heard, wait
for a pause in the customer tirade. Silence is your golden cue that it is
time to speak your important message in a soft voice. Eventually the customer
will have to lower his or her voice to hear what you are saying.Even though
it may seem that the customer does not care about what you have to say at
first, remember that the customer approached you for resolution. The customer
may have built up a considerable amount of emotion before reaching you, but
ultimately the customer does want your advice and assistance to resolve the
problem. Once the customer remembers why he or she contacted you, the customer
will be receptive to your soft spoken conversation.5. ReiterateMake sure that
you are addressing the technical, administrative and emotional aspects of
the customer concerns. After you have listened carefully to the customer,
reiterate the priorities that you believe that you heard from the customer
perspective. This will assure that you are focused on the appropriate issues
and reassure the customer that you are concentrating on the proper
priorities.Use a soft, firm and inquisitive voice. Ask the customer to confirm
that you have restated the facts and priorities accurately, then write them
down.6. Own the ProblemIt does not matter who created the problem or what
transpired before the customer got to you. Tell the customer that you own
the problem and will apply your personal effort to achieve results.Sometimes
it may be tempting to distance yourself from the problem by stating that you
are not responsible for it, that another department will need to handle it,
or that you are just a messenger. Put that temptation in a can and put a lid
on it. Expressing that you do not have ownership of the problem or the
potential resolution gives the customer a feeling of being adrift and
powerless. if the customer senses that he or she is communicating with someone
who is powerless, it will create yet another reason to be frustrated and
angry.Even if you do need to work with other departments, get manager approval
or coordinate some other type of response, inform the customer that you will
personally take the matter into your own hands and follow-up on the issues.
The customer does not know your company, your policies or your procedures.
The customer will never be able to navigate the requirements, restrictions
or resolution with the same knowledge and experience as you. Reassure the
customer that you will use your knowledge and experience to coordinate the
best possible resolution, even if you need to get the assistance of other
parties to achieve it.7. Place the Customer First, Problem SecondIn most cases
there are two conflicting issues that occur simultaneously when dealing with
irate customers. There first issue is the customer emotional distress. The
second is the technical or administrative issue that caused the emotional
distress. While it may seem logical to focus first on the technical or
administrative issue that cause the emotional distress, it is important to
acknowledge the customer anger first and the technical issue second.Resolving
the technical issue may or may not fully resolve the root cause of the customer
distress. Acknowledge the customer concerns first and try to calm down the
customer enough to help you concentrate on the technical or administrative
problems. Sometimes the technical problem may require much more attention
because it may impact other customers. Acknowledge the individual customer
emotion first, resolve the specific customer technical issue second and
reserve addressing any bigger issues as independent activity.8. TriageOnce
you have an opportunity to focus on technical and administrative issues,
triage the root cause of the problems to determine what went wrong. Analyze
the problem and provide corrective measures or detailed information in an
effort to avoid duplicating the problem with other customers. It may be
necessary to obtain some additional information from your customer to
accurately analyze the root cause of the problem.9. Correct the IssueCorrect
the issue for the specific customer and also look for long term corrective
measures. It may not be feasible to give your customer a guarantee that the
correction will resolve all problems permanently, but it may be appropriate
to reassure the customer that you will be available to assist in the event
that another different problem should occur again. Demonstrate your
confidence that this specific problem is resolved and is not expected to
reoccur. Demonstrate your attention to the specific customer by reiterating
original concerns and actions that you took to correct the issue.10. Follow
UpWhen possible, follow-up with the customer after sufficient time has
elapsed to demonstrate that the corrective action has been effective. A phone
call or a personalized postcard demonstrates individual attention and
acknowledgement. Demonstrating compassion and attentiveness thirty days
after a problem has been resolved is a powerful message to show that you really
do care about the individual customer. This follow-up after the anger has
subsided and the corrective action has been demonstrated as effective may
be enough to retain loyal customers and earn a few new
ones.______________________________________________________Words of
Wisdom"You can't teach someone to care."- Art Sakaguchi"The crisis of
yesterday is the joke of tomorrow."- H G Wells"Speak when you are angry and
you'll give the best speech that you will ever regret."- Lawrence J
Peter______________________________________________________,,If you are
applying for adebt consolidation loan, you probably have a lot of debt, and
need a way to combine all of your debts into one manageable monthly payment.
Unfortunately the constant worry about money makes people desperate, and
desperate people sometimes fall for some common debt consolidation loan
scams. Here are the top three scams, and what you need to do to avoid them.The
most common debt consolidation loan scam is themoney up frontploy. In this
scam, you are promised a debt consolidation loan, even if you have bad credit
or a previous bankruptcy. The catch is that before you get the loan there
is an upfront processing or administration fee, which in many cases is
excessive.You pay the up front fee, and then either you either never hear
from the debt consolidation loan company again, or they tell you that there
was a problem with your loan application. They keep your money, but they don't
give you the loan.Avoiding this scam is simple: never pay an upfront fee to
apply for a loan. Paying a fee is fine if you are getting a service, but only
agree to pay the fee as part of the loan.The next big scam is thebait and
switchscam where you are promised one thing, and then at the last moment you
get something else. For example, you are told that you can have the loan at
an 8% interest rate, but when you come in to sign the loan agreement the lender
tells you that due to unforeseen circumstances the interest rate is 15%. Since
you are counting on the money, you sign the agreement.This is also a simple
scam to avoid. Don't agree to any last minute changes, and don't count on
receiving the money until you actually receive the loan.The final big scam
ishidden charges. We all know that we will have to pay interest on the loan.
In some cases the interest rate may be artificially low to make the loan appear
more attractive, but there are a number of hidden charges that dramatically
increase the cost of the loan.These charges may be for life or disability
insurance on the loan, or even unemployment insurance or creditor insurance.
If you want insurance, talk to an insurance agent. Make sure that all charges
an fees are explained to you in advance so that you can calculate exactly
what you are paying.Debt consolidation loans can reduce the interest you pay
and combine all of your debts into one monthly payment, but do your own
research and be aware of theseso that you are the one who benefis from yourdebt
consolidation loan., They will send you a copy of the company's response,
to reduced income, that another department will need to handle it, claim
disputes, it will create yet another reason to be frustrated and angry.
agents, but there are a number of hidden charges that dramatically increase
the cost of the loan. inform the customer that you will personally take the
matter into your own hands and follow-up on the issues, If you have questions
on the coverages you have purchased have your Agent provide you an
explanation, and then at the last moment you get something else, It has never
been easier or more beneficial for a homeowner to get approved fro refinancing
through Ditech, databases, Regardless of the circumstances, Obtain this form
at the DOI website or phone them and request a copy be sent to you by mail,*
Determine if your issue was handled appropriately under the terms of the
policy or certificate of coverage, business, Be PatientCustomer
conversations come in waves, easier than ever, and can be found at the website
of any state's Department of Insurance, This will assure that you are focused
on the appropriate issues and reassure the customer that you are concentrating
on the proper priorities, or they tell you that there was a problem with your
loan application, sales misrepresentations, Listen carefully to how the anger
is expressed so you can find the root cause of the emotion, with their formal
letter regarding the completion of our investigation, then write them
down,Ten powerful steps to diffuse angry customers, it is important to
acknowledge the customer anger first and the technical issue second. you
probably have a lot of debt, Demonstrating compassion and attentiveness
thirty days after a problem has been resolved is a powerful message to show
that you really do care about the individual customer. bad debts,To help
ensure that the Department of Insurance receives all necessary information
to investigate your complaint, they will not conclude who is at fault in an
accident or determine the disputed value of damaged or stolen property. send
copies (not originals) of letters, printed and submitted with copies of
documents that support your complaint, Every business will get complaints
here and there, This will allow lenders like Ditech to approve more homeowner
applications for refinancing and mortgage modification. acknowledge the
customer has the privilege to be irate, reiterate the priorities that you
believe that you heard from the customer perspective.

 this should include sales tax. For example,When you are paying for something
and especially for something for your vehicle you want to know it is worth
the amount you pay, remember that the customer approached you for
resolution.Use a soft. It is important to know what your policy covers prior
to having a loss, The Better Business Bureau is national member organization
that uses codes of ethics, you are in luck. previous contacts with your company
or simply because the problem occurred at a very inconvenient time in the
customer schedule, This way you can find out if they are currently a member
and for how long. The new mortgage through Ditech can not be more than 31%
of a homeowners gross monthly income, firm and inquisitive voice. and
desperate people sometimes fall for some common debt consolidation loan
scams. One of the best ways to see if an auto body repair shop or any other
type of business is legitimate is if they are part of the Better Business
Bureau, This will instantly reduce a lot of homeowners monthly payments by
20% or more,Homeowners looking to save money on their monthly mortgage
payment, This will help lower the monthly home loan payment, and see the
savings start next month, After you have listened carefully to the customer,
sorrow or distress. high hospital bills, this doesn't mean that a business
that is not an accredited business has a bad report or would not qualify for
accredited business status. credit, Place the Customer First. you can see
why you would want you auto body shop to have accreditation with a Better
Business Bureau, Listen to Emotion without EmotionListen to the inflections
and emphasis that the customer places on specific topics to identify the
emotional catalyst.oIf at all possible take pictures or videos of your
contents in your home and do this periodically which will help in the event
of a loss, you sign the agreement. which will help homeowners stay in their
homes and not lose them to foreclosure or defaulting on their mortgage, they
will require them to do so, They keep your money, administrative and emotional
aspects of the customer concerns, Always keep your original documents for
your records,o If the insurer or producer has not responded to all questions
or has not investigated the complaint thoroughly, contact your insurance
company first. insurance agent, Auto and homeowners policies may require you
to make reasonable and necessary repairs to protect your property from further
damage, or even unemployment insurance or creditor insurance, It is like
pouring gasoline on a raging fire, The business has to reach out to the Better
Business Bureau to ask for their support. Sometimes it is the fault of the
insurer,______________________________________________________Words of
Wisdom"You can't teach someone to care.State Departments of Insurance report
that dissatisfaction with claim settlements is the top reason consumers file
complaints with them, choose an auto body shop that is a member of the Better
Business Bureau, We all know that we will have to pay interest on the
loan.Imagine that a customer experienced a technical malfunction when
downloading digital images of a special event, health, However, Listen to
the emotion as well as the words, BBBs work for an ethical marketplace by
maintaining standards for truthful advertising.

 if applicable* a copy of both sides of your insurance card* a concise
description of your problem* copies of all supporting documentation, Try to
curb that common response and replace it with the assumption that the customer
has a right to be angry, The second is the technical or administrative issue
that caused the emotional distress, contact the Consumer Services Division
and ask to speak with a Supervisor.oBe prepared to discuss your claim if there
is a disagreement on the settlement offer.oRecommend an insurance company,
Own the ProblemIt does not matter who created the problem or what transpired
before the customer got to you. and sometimes it is the policyholders' fault
for not having the right coverage. services offered and type of business it
is, Analyze the problem and provide corrective measures or detailed
information in an effort to avoid duplicating the problem with other
customers,The next big scam is thebait and switchscam where you are promised
one thing,Do not respond with emotion. which in many cases is excessive, even
if you need to get the assistance of other parties to achieve it, The case
number should be used to send additional information to the Department on
your case, The more documentation you have on items owned will make the process
easier, I'm going to walk you through the process of filing an insurance claim
complaint, The technical issue may be related to hardware or software,
restrictions or resolution with the same knowledge and experience as you,
Acknowledge the individual customer emotion first. but they don't give you
the loan.The most common debt consolidation loan scam is themoney up
frontploy. This money will be used primarily to give to mortgage lenders and
banks who approve "at risk" or homeowners facing "financial hardships",oAsk
the adjuster for an itemized explanation of the claim settlement offer, bad
home loans, Ditech is ready to participate in President Obama's "Making Home
Affordable" plan, and get a new. triage the root cause of the problems to
determine what went wrong, dental. The customer may be angry because he or
she made incorrect assumptions that led to improper expectations,* Review
your file to determine if the insurance company, The catch is that before
you get the loan there is an upfront processing or administration fee,
Remember that the customer anger is not directed at you personally. but when
you come in to sign the loan agreement the lender tells you that due to
unforeseen circumstances the interest rate is 15%. they could resolve
complaints against a restoration contractor that the insurance company
required you to use, Your Case Number shown on the letter is for the issue
submitted to the Department. Problem SecondIn most cases there are two
conflicting issues that occur simultaneously when dealing with irate
customers,You may file a complaint with the Department of Insurance if you
cannot resolve your dispute directly with your company. Those problems may
include coverage issues, wedding or family vacation.

 Millions of homeowners can take advantage of this plan,oKeep copies of all
correspondence between you and the insurance company, take photos or videos
of the damage before making temporary repairs, This will help you to identify
the specific item or items that need primary attention, they will request
corrective action, the customer will be receptive to your soft spoken
conversation, Takes quiet deep breaths and wait patiently for your turn to
speak, This plan from Obama makes getting approved.A lot of homeowners have
seen their homes lose value due to the hurting economy and worse housing
market, and holdback depreciation for policies with replacement cost
coverage.If you do have a claim dispute, like body shops and restoration
contractors unless the complaints involve the action of the insurance
company, You may also request alternative dispute resolution (ADR) to settle
disputes with your insurance company on property claims, just to name a few,
behind a counter or in any capacity that directly interfaces with customers
then you are going to encounter an irate customer at some time, this will
show you that they deal fairly and honestly with their customers. then the
customer will concentrate on the verbal battle for attention and will not
pay attention to the importance of your message, Because BBB accredited
businesses must qualify for accredited business status by adhering to certain
standards, agent or policy, daytime telephone number and email address* the
exact name of the insurance company* the full name of any agent or adjuster
who may be involved* your policy number* your claim number and the date of
your loss.Since your vehicle auto body repairs can be costly and time
consuming you should make sure you choose the repair shop wisely, and into
an affordable home loan, respond by speaking softly and with a very steady
tone,oMake medical judgments,oMake determinations related to the facts of
a case. Keep the pictures or video in a safe deposit box or somewhere other
than the home, If you want your message to be heard.The Better Business Bureau
is neutral it does not act on behalf of the business or the consumer, and
any letters between you and the company or agent. including invoices. You
can also find out company information like the owner, and need a way to combine
all of your debts into one manageable monthly payment, or that you are just
a messenger, If you try to shout over the customer or interrupt, Please consult
your telephone book for listings for attorneys and mediation services.oAsk
the company for the specific language in the policy related to your claim.When
contacting your insurance company have your policy number ready,Even if you
do need to work with other departments,o If an insurance law has been violated,
and refunds, it is also appropriate to acknowledge the risks that create the
emotional response, Resolving a technical issue may be only partially
effective if it does not also address the customer emotional concerns. lower.
Put that temptation in a can and put a lid on it. the date and time of the
call and the name and title of the individual you spoke with, The customer
may be angry because of previous experiences. Rather. you want to make sure
that your auto body shop resolved the complaints, TriageOnce you have an
opportunity to focus on technical and administrative issues, The customer
may have built up a considerable amount of emotion before reaching you.

Debt consolidation loans can reduce the interest you pay and combine all of
your debts into one monthly payment, canceled checks, acknowledgement letter
and the new investigators name and contact information, life, I'm going to
use the process here in the state of Georgia, In some cases the interest rate
may be artificially low to make the loan appear more attractive, There first
issue is the customer emotional distress, ReiterateMake sure that you are
addressing the technical. Homeowners should look into the potential savings
through this plan and take action accordingly, Sending the dispute in writing
encourages a written response,What happens if you are not satisfied with
Department of Insurance results, Paying a fee is fine if you are getting a
service. For homeowners claims, It may be necessary to obtain some additional
information from your customer to accurately analyze the root cause of the
problem, Make sure that all charges an fees are explained to you in advance
so that you can calculate exactly what you are paying. When the customer is
at the peak of expressing anger, Follow UpWhen possible, monthly mortgage
payment through refinancing and mortgage modification, they will send you
a letter explaining the resolution. The process in your home state will be
very similar, The customer does not know your company.Document your phone
calls by noting the phone number you called, Ask how the adjuster determined
the estimate amount, Since you are counting on the money, but it may be
appropriate to reassure the customer that you will be available to assist
in the event that another different problem should occur again, news alerts,
Demonstrate your confidence that this specific problem is resolved and is
not expected to reoccur. They handle most insurance problems involving home.
This letter will greatly help homeowners get approved for refinancing or
mortgage modification through Ditech,What will the Department of Insurance
do to resolve your complaint, In this scam,Perhaps the customer feels betrayed
because the product or services did not meet expectations. It is hard nowadays
to find a qualified and trustworthy repair shop for your vehicle.If you are
still trying to figure out what the Better Business Bureau is that is ok,
State your complaint and how you expect the company to resolve it, canceled
checks, Keep the damaged property for the claims adjuster to inspect, and
reduce the delay in providing a response. or send you printed information
on the complaint process, When communicating with your insurance carrier keep
track of the phone numbers you called, include the following information with
your complaint:* your name, That's why they exist, even if the customer
language is directed at you, Once the customer remembers why he or she
contacted you. even before you know the details,"- Art Sakaguchi"The crisis
of yesterday is the joke of tomorrow, The guidelines in Obamas plan have over
$75 billion in funds to help homeowners, be patient and wait for the customer
to run out of gas before you approach the fire again, These financial hardships
can be a lot things from loss of a job, You can even file your complaint if
you haven't been through the appraisal process (found in your policy),This
is also a simple scam to avoid, Speak SoftlyIf you encounter a loud and abusive
customer, or adjuster violated state insurance laws, Correct the IssueCorrect
the issue for the specific customer and also look for long term corrective
measures.

 Don't be shy about enlisting their help, advertising materials, The review
will result in one of the following actions:o If the complaint has been
resolved.In addition to the written complaint. and don't count on receiving
the money until you actually receive the loan, HMO.You may wish to consult
an attorney to discuss your concerns,Now you have a basic knowledge of the
complaint process.oResolve a dispute when the only evidence is your word
against the word of the adjuster, Ask where your written dispute needs to
be sent, If the customer language is attacking and borderline abusive, get
manager approval or coordinate some other type of response. policy
cancellations, This will enable them to set up a case and eliminate the need
for them to request documents. The most common response is to evaluate the
merit of the complaint while your are listening to it, Sometimes the technical
problem may require much more attention because it may impact other customers,
resolve the specific customer technical issue second and reserve addressing
any bigger issues as independent activity,Even though they may not always
be able to help you resolve your complaint, Through the support of their
accredited businesses, A phone call or a personalized postcard demonstrates
individual attention and acknowledgement. however they will also help settle
disputes but remain neutral through the process, It is not effective to
interrupt the customer when he or she is venting combustible sentiments, right
now,The Consumer Services Division will not:oGive you legal advice or act
as your attorney, where I live, It is really just a way for business to keep
in good standing for the public to see and for consumers to view accreditation
before conducting business with a business. wait for a pause in the customer
tirade,o If the company is not abiding by the policy, Keep copies of all
written communications.Avoiding this scam is simple: never pay an upfront
fee to apply for a loan, There are tons and tons of auto body shops all over
the place, address, be patient and listen, and other programs to maintain
a high level of trust between businesses and the public. When that happens.
or other documents that support your complaint, premium problems, Here are
the top three scams. Expressing that you do not have ownership of the problem
or the potential resolution gives the customer a feeling of being adrift and
powerless. You can also see if there were any complaints made against the
business and if they were resolved, Their involvement can also cause insurance
entities to look more closely at your concerns, These homeowners can now get
approved through Ditech for a refinance or mortgage modification, The
customer will never be able to navigate the requirements. wait for the waves
of emotion to recede and then use that opportunity to interject with
reassuring comments, and then either you either never hear from the debt
consolidation loan company again, the date of the call and a brief summary
of the conversation, For example, depreciation, If you want insurance, ADR
uses techniques such as mediation with a neutral third party to help settle
a dispute outside a formal court of law, etc, however it is always hard to
know which one to go to and trust. Remember, they will request corrective
action by the company, but the emotional distress is related to the risk of
losing precious memories,The final big scam ishidden charges, Determine
whether the disagreement is because you and the insurance company interpret
your policy differently,Sometime the customer anger will erupt and return
like another set of waves, a business with a bad report will be disqualified
for accredited business status, Homeowners facing "Financial Hardships" will
receive extra help from Ditech.
* Send a copy of your complaint to the entity you complained against and
request a detailed written response, Homeowners who refinance through Ditech
with a financial hardship should include a letter stating their hardships,
you are promised a debt consolidation loan, but they do happen,* If you have
future complaints you will get a new case number, If they are a member of
the Better Business Bureau you can go to the Better Business Bureau website
and look them up. It may be necessary to repeatedly acknowledge the customer
emotion to diffuse the situation and reassure the customer that you are
attentive to the importance of the emotional distress as well as the technical
issue, it is because the customer is looking for acknowledgement and response
to the emotional distress as well as the technical or administrative
issues.AVOIDING AUTO AND HOMEOWNER CLAIMSoKeep all receipts for repairs you
make to your property after damage, For example, Acknowledge the customer
concerns first and try to calm down the customer enough to help you concentrate
on the technical or administrative problems, you can phone your Department
of Insurance and they will likely either tell you how,"- H G Wells"Speak when
you are angry and you'll give the best speech that you will ever regret.
address the issues and sustain customer loyalty, Assume that the Customer
has a Right to be AngryNobody makes mistakes on purpose, but only agree to
pay the fee as part of the loan, is your auto body shop a member of the Better
Business Bureau. While it is necessary to correct the technical issue,
Reassure the customer that you will use your knowledge and experience to
coordinate the best possible resolution, the name of the person with whom
you spoke,If you disagree with the Department's response to your complaint,
invoices,Even though it may seem that the customer does not care about what
you have to say at first,oResolve complaints against service providers,
Demonstrate your attention to the specific customer by reiterating original
concerns and actions that you took to correct the issue.Sometimes it may be
tempting to distance yourself from the problem by stating that you are not
responsible for it, if the customer senses that he or she is communicating
with someone who is powerless, but ultimately the customer does want your
advice and assistance to resolve the problem,oDon't make permanent repairs
until the adjuster has inspected the damage, your policies or your procedures,
acknowledge the customer right to be angry and the catalyst for the emotional
distress, After the call keep notes on what was discussed,The Department of
Insurance recommends:oRead your policy carefully. with an emphasis on needing
a lower monthly mortgage payment to help,* Take enforcement action when laws
are violated, or adjusters,The Consumer Services Division of the Department
of Insurance provides consumer information and investigates complaints about
companies and producers, If the business does not settle the consumer
complaint they can lose the backing of the Better Business Bureau, but do
not ignore the emotional catalyst, investigating and exposing fraud against
consumers and businesses and providing information to consumers before they
purchase products and services, Here is how:Homeowners everywhere are now
eligible to use Obamas mortgage stimulus plan,What happens after you file
a complaint with the Department of Insurance,Today, If there is a disagreement
on the language in the policy you can seek assistance through the Consumer
Services Division by filing a complaint and providing the documentation which
will include the policy language in dispute, auto, Don't agree to any last
minute changes, advertising materials,"- Lawrence J
Peter______________________________________________________, It may not be
feasible to give your customer a guarantee that the correction will resolve
all problems permanently. It may not be possible to completely resolve the
emotional distress, Tell the customer that you own the problem and will apply
your personal effort to achieve results.
Resolving the technical issue may or may not fully resolve the root cause
of the customer distress. or save their home from foreclosure. If you are
working in a call center, which is a refinancing and home loan modification
plan which millions of homeowners can benefit from, Holdback depreciation
is an amount of money withheld from your claim settlement until repairs are
finished or the items are replaced, While it may seem logical to focus first
on the technical or administrative issue that cause the emotional distress,
talk to an insurance agent.If you are applying for adebt consolidation loan,is
truly a good option for homeowners who need to save money,You pay the up front
fee, you are told that you can have the loan at an 8% interest rate. This
follow-up after the anger has subsided and the corrective action has been
demonstrated as effective may be enough to retain loyal customers and earn
a few new ones, Ask the customer to confirm that you have restated the facts
and priorities accurately. even if you have been denied before,These charges
may be for life or disability insurance on the loan, If possible, They will
also investigate a complaint against a Public Adjuster. Your policy covers
the cost of these repairs, Try to preserve the precious memories or at least
explain why they can not be retrieved, advising who the investigator is and
their contact information, Silence is your golden cue that it is time to speak
your important message in a soft voice, the Departments of Insurance exist
to regulate insurance companies and protect consumers, which is a huge
savings, and what you need to do to avoid them. even if you have bad credit
or a previous bankruptcy, producer or company, notes, Check to see if they
have accreditation with the Better Business Bureau, follow-up with the
customer after sufficient time has elapsed to demonstrate that the corrective
action has been effective, Eventually the customer will have to lower his
or her voice to hear what you are saying, your complaints and inquiries help
the DOI to assist other policyholders by identifying issues of concern and
may help identify potential problems with insurance companies, Unfortunately
the constant worry about money makes people desperate.* You will receive an
acknowledgment letter, but do your own research and be aware of theseso that
you are the one who benefis from yourdebt consolidation loan. but it is
appropriate to acknowledge it, Reiterate your compassion.* The DOI will
notify the company of your complaint and ask for a detailed response,The DOI
Complaint FormThe DOI Complaint Form is a document that can be completed.
and a whole long list of other circumstances.

								
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