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Started By
Message
1
Posted on 9/4/16 at 6:26 pm to 911Moto
As an insurance adjuster with 17 years experience, I see these threads all the time and the same logic applies across the board for well meaning and ethical people who have sustained a loss.
Assuming motivation is ethical, you shouldn't "need" legal representation early in a claim unless compensability is in question. You should discuss with the carrier(s) and get the details, coverage and process involved and proceed accordingly.
Many people seem unable to understand what insurance is and how it works and what the policy and/or law provides. If after discussing with the carriers you do not understand or disagree, an attorney may offer benefit or ease your mind. However, understand up front you will eventually pay for their service. The value of this is up to you. Without being able to review the claim file, no one will be able to determine whether attorney representation will be a financial net gain or loss for you. Both occur in abundance.
An attorney will generally not speed up the process unless you are unfortunate enough to get a burned-out, overworked or just incompetent adjuster. However, for every bad adjuster there is an equally bad attorney.
One of the biggest impact on a claim with honest motivation is the selection of service providers, most importantly, medical. Insurance adjusters know which ones are legit and unbiased. They also know who is claimant oriented and who to use to counter. Attorneys know who is who as well.
A claims ultimate settlement value will generally have a range of compensation based on all the factors associated with that particular claim, policy and applicable law. How big that range is and where that particular claim falls in the range depends on the factors of each case.
The ultimate question is whether an attorney will achieve settlement high enough in the range to offset their costs.
Assuming motivation is ethical, you shouldn't "need" legal representation early in a claim unless compensability is in question. You should discuss with the carrier(s) and get the details, coverage and process involved and proceed accordingly.
Many people seem unable to understand what insurance is and how it works and what the policy and/or law provides. If after discussing with the carriers you do not understand or disagree, an attorney may offer benefit or ease your mind. However, understand up front you will eventually pay for their service. The value of this is up to you. Without being able to review the claim file, no one will be able to determine whether attorney representation will be a financial net gain or loss for you. Both occur in abundance.
An attorney will generally not speed up the process unless you are unfortunate enough to get a burned-out, overworked or just incompetent adjuster. However, for every bad adjuster there is an equally bad attorney.
One of the biggest impact on a claim with honest motivation is the selection of service providers, most importantly, medical. Insurance adjusters know which ones are legit and unbiased. They also know who is claimant oriented and who to use to counter. Attorneys know who is who as well.
A claims ultimate settlement value will generally have a range of compensation based on all the factors associated with that particular claim, policy and applicable law. How big that range is and where that particular claim falls in the range depends on the factors of each case.
The ultimate question is whether an attorney will achieve settlement high enough in the range to offset their costs.
Posted on 9/4/16 at 6:36 pm to ummagumma
quote:
Assuming motivation is ethical, you shouldn't "need" legal representation early in a claim unless compensability is in question. You should discuss with the carrier(s) and get the details, coverage and process involved and proceed accordingly.
You may want to also bring up that if we are talking about Louisiana there is a $50,000 threshold to request a trial and anything below that is decided by a judge. I won't go into the lawyer/judge dynamics in those scenarios.
Posted on 9/4/16 at 6:39 pm to 911Moto
quote:
You're absolutely right - my 98th percentile income isn't enough, so I'm hoping that car insurance pays the relatives of those in an accident and not just the one that's hit. You're a genius.
Your constant need to validate yourself makes you such an easy person to frick with.
That and you're an insufferable douchebag
Calm down and unrustle those jimmies
Posted on 9/4/16 at 6:39 pm to ummagumma
Thanks. 
Sound advice. I think if the guy has adequate coverage, things will work out. As you've implied, the attorney would have to almost double the settlement just to break even. At this point, my son hasn't contacted his agent yet due to the holiday weekend. He'll call Tuesday morning. I don't think things will move much until the police report is in hand, which will take at least a couple weeks. We'll see how things shake out in the next few weeks. I don't think he'll retain an attorney unless it's obvious someone is trying to give him the shaft.
Sound advice. I think if the guy has adequate coverage, things will work out. As you've implied, the attorney would have to almost double the settlement just to break even. At this point, my son hasn't contacted his agent yet due to the holiday weekend. He'll call Tuesday morning. I don't think things will move much until the police report is in hand, which will take at least a couple weeks. We'll see how things shake out in the next few weeks. I don't think he'll retain an attorney unless it's obvious someone is trying to give him the shaft.
Posted on 9/4/16 at 6:43 pm to Finch
quote:
Your constant need to validate yourself makes you such an easy person to frick with
Oh, the irony. I'm easy to frick with.
The OT is so predictable, and it's so easy to press your buttons. The entertainment you people provide is priceless when I'm bored at home during the week. What provides the most entertainment is the guys who insist that everything is a lie. When I post proof, it just highlights their jealousy and enhances their melt.
Posted on 9/4/16 at 6:45 pm to 911Moto
I never said you were a liar
Just a trashy douchebag
Just a trashy douchebag
Posted on 9/4/16 at 6:46 pm to 911Moto
Are you actually rolling on the floor laughing, or are you exaggerating?
Posted on 9/4/16 at 6:48 pm to 911Moto
quote:
The entertainment you people provide is priceless when I'm bored at home during the week. What provides the most entertainment is the guys who insist that everything is a lie.
I don't think you're a liar. I just think your life sounds boring and unfulfilling and you come off as a douche. Sitting at home all day needing the OT for entertainment and validation sounds miserable.
This post was edited on 9/4/16 at 6:49 pm
Posted on 9/4/16 at 7:05 pm to ellunchboxo
One thing about agents...they generally don't know much about claims. The best thing to get from your agent is contact information for the claims department. Good agents who are on top of their game will have developed a contact who they trust to refer client's to for information. Average agents will just refer to the assigned adjuster.
Posted on 9/4/16 at 7:07 pm to 911Moto
You are an idiot. Those two cars are in the same class yet your xjl is so much better. You probably got one used anyway where their cheap as shite...."didn't like the new stitching on the seats in the new models so I bought an older one." lmao. Couldn't afford the new one moto?
This post was edited on 9/4/16 at 7:12 pm
Posted on 9/4/16 at 7:11 pm to mmonro3
So they don't differ in price by $20,000? You think I couldn't put $20,000 into customizing my interior to make it nicer than the 550? Alrighty, then.
Posted on 9/4/16 at 7:14 pm to 911Moto
You just cannot admit you were wrong lol. Then why don't you do it than?
This post was edited on 9/4/16 at 7:21 pm
Posted on 9/4/16 at 7:17 pm to 911Moto
quote:
Right now he's in North Carolina - a family flew him in to train their daughter. $500 for 2 days work - not too shabby for a teen.
Sounds like Jeff Doucet
Posted on 9/4/16 at 7:22 pm to mmonro3
You really can't admit that the 550 is in a different class at $20K higher.? I use the car for travel all over the country for my son's competition. I'm not going to buy a $100K car and put 35-40K miles/year on. That would be stupid. If I spend $100K on a car, it will be on a Cayman GT4 after my kid moves on to college. Though I might go with an F-type since I dig the Jag so much : 
Posted on 9/4/16 at 7:24 pm to el Gaucho
quote:
Sounds like Jeff Doucet
Yes, my son is a grown man and a mom flew him to NC to molest her daughter.
Posted on 9/4/16 at 7:26 pm to 911Moto
Is the son who was in the wreck the same one who had the pill problem?
This post was edited on 9/4/16 at 7:27 pm
Posted on 9/4/16 at 7:28 pm to 911Moto
Just out of curiosity for those of us who don't know. What is your disability that allows you to travel 1000's of miles yet not work?
Posted on 9/4/16 at 7:32 pm to Finch
Never have I said that my kid had a pill problem. You have a sad life if you have to randomly make up shite to overcome your inferiority.
Posted on 9/4/16 at 7:33 pm to 911Moto
I already admitted it cost more. I keep responding to you because you first say xjl is best in its class, then i bring up the s class, then your like oh yeah that one is nicer but its 20k less than the jag, even though the xj and s550 are in the same class. I just realized you are just misinformed though. The xj and s class are in the same class of full size luxury sedans.
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