re: Personal injury fraud ring is hitting the news.

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i don't advise. i inform of the coverage and their options.

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Of course. Mr. E&O posts here.

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i don't advise. i inform of the coverage and their options.

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Yep, most people advise higher than 15/30/25, but that doesn't stop people from choosing it.

This story will get big

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insurance companies provide a full written policy of their coverages. Usually not much to hate a company for besides your own ignorance.

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There are plenty of reasons not to like insurance companies. I've seen a number of issues deriving from things such as the insurance company's estimate not matching the auto body shop's estimate. If they can't resolve the issue, then that ultimately falls onto the insured. I've seen this exact situation play out not even a month ago.

However, Louisiana ranks 17th in auto accidents per capita in the US, yet has the 2nd highest auto rates in the country. Louisiana is also ranked in the top 5 in terms of safest work environments in the US, yet our work comp rates are 3rd highest in the US. That is not on the insurance companies

You people are so naive.

Every 18 wheeler or commercial vehicle on the road has at least a million dollars in liability coverage. If a greedy, unscrupulous plaintiff lawyer gets that case, there is NO WAY he is letting it go for soft tissue money. There is NO WAY he is settling it before filing suit. (Contingency goes up from 33% to 40% once suit is filed.)

You have to "work it up." You send him to the shake and bake doctor for a few months. No better? Well let's get some MRI's. Considering the fact that most adults over the age of 25 have some sort of disc pathology anyway, they will find a herniation or a bulge of something, which the plaintiff-friendly doctor will causally attribute to the accident.

Now it's time to start the money train rolling. Let's get some facet injections, maybe epidurals, maybe a more invasive diagnostic test like a discogram. And here comes the inevitable surgical recommendation. This man needs a fusion!

And when an attorney tells a client, "Hey, if you get the surgery, the value of your case triples," most will jump at the deal. "I just settled a neck surgery case for $750,000! Do you have any lost wages? We can send you to a voc rehab expert, and get the total value of the claim up over a million."

This is the ORDINARY COURSE OF THINGS. I see it every fricking day. I have at least 40 pending cases where that exact same scenario has played out.

No, it's not the insurance companies' fault. If you think that, you are are on team plaintiff, or you are a fricking idiot.

How would you curb that?

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Ask this question if god forbid a friend or family member is ever injured in an accident. See which side you come down on.

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Nobody complains about the serious injuries. That's not what billboards, radio ads, and all the other forms of absurd advertisement is even for. Those people all lawyer up or have insurance companies involved.

I don't know what or where the proper medium is, but there's absolutely no way that our Tort system should be at the extent it is with driving down the highway and seeing a Lawyer billboard every couple hundred yards while hearing a commercial on the radio. Its ridiculous, if they can afford all of that advertisement then its way over the line of being too liberal on payments.

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How would you curb that?

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I'm at a loss to answer this. And yes, I'm a bit of a hypocrite since I do this for a living and these guys put food on my table.

Thankfully I am close enough to retirement (12 years max) that it's not going to be my problem forever. But I'm happy to see the defense bar finally fighting back and outing these creeps.

The whole system if completely fricked. My little sister had some trash bag in a beater back into her at a stoplight. Their car was all fricked up before, and didn't have any damage where they backed into my sister. Her car didn't have any damage either, so nobody got a ticket.

They drove two blocks down to a sketchy lawyer's office in a strip mall. After that, they went to another sketchy doctor in another strip mall. They filed suit the next day claiming all three in the car had debilitating whiplash, bruised internals, and one got a broken arm (it was in a cast when they backed into my sister).

The sketchy lawyer then found out the max that my sister's insurance would pay out, and sued for that exact amount. GEICO had records of two of these people suing them four times before, but didn't care. The lawyer was just there to get a paycheck. One guy OD'd (good riddance), and GEICO paid the other two without question.

This is how some people make a living. They go around suing people, win, burn through the money, and then sue someone else. The insurance companies don't care, because they then get to charge policy holders more to get insurance

Everyone games the existing system. Hell, billing abuse is why insurance companies started opening up in house shops all over the place.