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Loss Assessor and Loss Adjuster - What Is The Difference

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					                                                 Presented by Daniel Toriola


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   You Have A Legitimate Insurance Claim But You Foolishly Got Yourself A Legal Begal - - Now
                                            What?
                                                                By Dan Baldyga



  You Have A Legitimate Insurance Claim But You Foolishly Got Yourself A Legal Begal - - Now
What?
 by: Dan Baldyga

YOU MUST STAY ON TOP OF THAT HOUND DOG FOR TWO HUGE REASONS: First because
that's the only way to make sure he does his job correctly. If you don't watch him like a hawk you could
end up on the short end of a very long stick! And second, because most Legal Beagles think they’re
overworked (if you don’t think so just ask them!) and they incorrectly feel they don’t have the time to
spend on your case today, tomorrow or even six months from now. The truth is you’ve signed his
Contingency Fee Agreement so he knows you’re in his back pocket and someday, when he decides to
make his move, you’re still locked in. Most have convinced themselves they’re too busy to fuss with
your case for awhile. Unless you bug them on a regular basis they’ll let years drag on before it gets
settled.

If you've entrusted your case to one of the larger Legal Beagle dog houses in town (a big mistake)
you've probably been passed on to a fumbling puppy just out of law school. Huge firms handle
thousand’s of top-dollar cases. Yours will be on a slow assembly line with that puppy sniffin’ at pant
legs and nippin' at heels, acting as though he knows what he's doing. You gotta stay close because the
youngster you've been stuck with has little experience and he usually doesn't have the foggiest idea
how to properly handle your claim.

You must stay active, throughout the whole process, no matter which Legal Beagle you hire. Demand
that you receive copies of all correspondence that are sent out on your behalf, request you be copied
in on everything sent to your Beagle from the insurance company or its lawyers, and insist on
eye-balling the medical records sent to your lawyer (by your attending physician, the hospital
emergency room, etc.) to make sure they're correct. (If they don't go into detail than the typically sloppy
reporting, by attending physicians and other medical people, will be bedding you down with a rattler. If
you don’t want to die of snake bite you must return those Medical Report’s to your "doc" and tell him
he's gotta be more specific or you're gonna end up with a helluva lot less money than you should!).


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                                            Presented by Daniel Toriola


The only way you'll ever be sure your Beagle is being straight with you is if you insist on all of the
above. Also, if your lawyer knows you're keeping close tabs on your case, he’ll put it on the "front
burner", keeping it off the "back burner" - - where the majority of his cases are usually cooking - - under
a very low flame.

You must know what's going on with your case at all times and if you’re considered to be a pain in the
butt than so be it. Make it known to your Beagle that you're not going to let your case disappear into a
bottomless pit . What I'm telling you here is very simple: Don't let your case drag on and on. If you stay
on top of things it'll get settled much sooner!

When your medical treatment is finished tell your Beagle and insist that he immediately gather up your
records, and organize them into a "Settlement Package". What I mean by that is, a collection of your
medical bills and reports, a list of all physical damages, with a thorough explanation of each, etc. Once
done your lawyer should get that into the insurance company's hands just as soon as possible.

The first settlement offer should be made to him no later than 3 weeks after that "package" has been
sent to the insurance company. If it isn't find out why. Be a pest, call that Beagle and push him. Your
case should be settled within 6 weeks. If it isn't you tell your lawyer, "Sue the bugger‘s." To do that
should take no more than an hour or two to complete - - even the puppy can do it. Those papers
should be ready in a week. It's not asking too much for the suite to be filed by the time another week
passes. But, this will only happen if your Beagle is humping away and staying on top of things.
Lawyers need to be pushed by their clients or they'll sit on their butt's doing other "stuff". Most of them
wait forever to move on a case when they could have had the job done in several months.

DISSATISFACTION WITH YOUR LAWYER: "The first thing we do, let's kill all the lawyers." Those
words, written several hundred years ago by Shakespeare, still sums up the feelings of a lot of people.
That's because Legal Beagle's don't bother touching base with their client's. Telephone messages
aren't answered right away - - sometimes never. The way most lawyers treat their clients leaves them
feeling ignored and powerless!

So, what’s the solution? A “Give Him Hell” letter to your lawyer, sent Certified Mail Return Receipt
Requested, will get his attention, and in most cases (unless he’s a blazing idiot which some of them
are) assure a prompt phone call. The letter should clearly state your complaints, and also your
thoughts about hiring a new attorney - - quick like a bunny - - if the necessary steps aren’t taken.

CHANGING LAWYERS: This is a very difficult move so it must be well thought out. The following are
some facts you must be aware of:

The new lawyer will ask you to contact the old lawyer telling him to turn your file over. If you have
foolishly agreed to pay some of your old attorney’s costs (above and beyond the Contingency Fee
Agreement you’ve signed) the two of them will have to work that out. The old lawyer may agree to wait
and not be paid his costs until the new lawyer has settled your case, but (and this is usually the way
that ball bounces) he may not! If that’s the situation you may have to pony up some big bucks before
he turns your case over to the new lawyer.

The new Legal Beagle will want to review the file a soon as possible to determine if he wants to take it
on. If it looks like some money can be made, the new lawyer may take it, but that’s a long shot. Why?
Because your case has to be an outstanding “goodie” - - with a huge payoff potential for the lawyer’s
“Contingency Fee”. Both Beagle’s (and there’s no way out of this one) will have to split that fee. If

How Not To Get Screwed By Insurance!
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                                                                                                           Page 2
                                               Presented by Daniel Toriola


there’s not enough money to go around the second lawyer won’t be interested in taking you case. If
that happens, you’re gonna be left with an upset attorney. Chances are he’ll let your case slip into

Limbo for years to come. That’s the risk you take when you try to dump your Beagle. Insurance
companies react in various ways to a change in lawyers. They may view the switch as a sign that your
case, or you, are a “problem”. There’s no doubt that the switch will tell the insurance company
something is wrong. If they smell smoke, they’ll suspect a fire is probably blazing. This can result in an
increased reluctance to settle. On the other had, the new lawyer may breath needed energy into the
case, causing the insurance company to start thinking seriously about settlement - - but that’s a long
shot. I wouldn’t bet on it.

THE BOTTOM LINE

Be sure to pick a good Legal Beagle to begin with, because you’re probably gonna be stuck with that
hound dog right to the bitter end!

DISCLAIMER: The only purpose of this claim tip is to help people understand the motor vehicle
accident claim process. Neither Dan Baldyga nor ARTICLECITY.COM make any guarantee of any
kind whatsoever; NOR do they purport to engage in rendering any professional or legal service; NOR
to substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such
professional help is desired it is the INDIVIDUAL’S RESPONSIBILITY TO OBTAIN SAID SERVICES.

Dan Baldyga’s fourth and latest book Auto Accident Personal Injury Insurance Claim: (How To
Evaluate And Settle Your Loss) can be found on the internet at http//.www.autoaccidentclaims.com or
http://www.caraccidentclaims.com.

Copyright (c) 2003 Daniel G. Baldyga. All Rights Reserved.




For 30 years Dan Balddyga was a claims adjuster, supervisor, manager and also a trial assistant. He is
now retired and spends his time attempting to assist those involved in motor vehicle claims so they will
not be taken advantage of..
dbpaw@comcast.net




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                                                                                                        Page 3
                                               Presented by Daniel Toriola


                     What's the Difference Between a Loss Assessor and Loss Adjuster?
                                                             By Derek Rogers



If you have been in a situation where you are looking at a loss that should be covered by insurance,
you may find yourself dreading talking to the insurance company itself.

 When you are dealing with your insurance company, you are already aware that they are only going to
give you the smallest amount that they can get away with, not necessarily what you deserve, and in
many ways, someone who is not part of the industry will be unable to handle this as thoroughly as it
should be handled. When you are looking to make sure that you are going to get the money that you
need, the services of a loss assessor can help you to deal with your insurance company's loss
adjuster.

 Despite the similarity when it comes to the name, you will find that you need to think about the roles
that a loss adjuster and a loss assessor are going to play in your insurance claim.

 - A loss adjuster is a person who is employed by your insurance company. They are going to be the
ones making sure that the conditions of your policy have been observed and they will be the ones to
adjust the claim as it is submitted.

 - A loss assessor, on the other hand, is going to be the professional hired by the person filing the claim
in order to make sure that the claim goes through and to guarantee a successful and favourable
outcome.

 Essentially, a loss assessor is someone who is going to dot the I's and cross the T's and essentially
make sure that the claim gets the attention that it deserves. A good loss assessor can make all the
difference in getting the compensation that you need, and they will also be the ones to work with you
as you file the claim. They will also be integral when it comes to negotiating the claim and to making
sure that you are going to get the legal expertise that you need in case it comes to that.

 When you are considering hiring a loss assessor, remember that the insurance business and the legal
ramifications involved are often going to be too intense and too complicated for someone who has only
a passing knowledge of the legal landscape. While you can certainly file a claim yourself, you will find
that you are taken far less seriously and that your claim has a far lesser chance of getting the right
attention that it needs.

Frankly, hiring a loss assessor can make all the difference in the world when it comes to looking at
what you can be done in order to get the compensation that you need.

 When you are in a situation where you need the compensation from an insurance claim to move
ahead with your life or your career, you will find that this is not a battle that you want to fight alone.

Make sure that you make this important investment in the solvency of your claim.

Derek Rogers is a freelance writer who represents a number of UK businesses. For Insurance Claim
Services and Loss Assessor Consultants, he recommends Morgan Clark:
http://www.morganclark.co.uk/index.htm


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                                             Presented by Daniel Toriola




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