Current Issue

Issue 33 Writing Letters to Insurance Claim Adjusters to Confirm Arrangements

• Do not rely on the insurance adjuster to take accurate notes of your conversations
• How to correct or supplement information that has perviously been given
• Example confirmation letter following your first call with the insurance adjuster

Previous Issues

Issue 32 Introduction to Subrogation

• What is subrogation?
• What you should know about the defenses to a subrogation claim
• How to work this issue to your advantage if you decide to hire an attorney

Issue 31 Your Guide to Caring for Your Damged Vehicle After an Auto Accident

• What should you do about your damaged vehicle immediately after the accident?
• How to select the best auto body shop
• Rental car rights
• When to hire a collision repair specialist

Issue 30 Your Guide Through the Sometimes Complicated & Mysterious Collision Repair (or Replacement) Process

• How to identify the players without a program: basic definitions in auto body repair and replacement
• Frequently asked questions on car wreck repair answered by Dr. Settlement
• Useful resources for auto accident property damage questions and insurance adjuster relationships

Issue 29 Diminished Value of Your Vehicle—What it is And How to Make a Claim for a Cash Insurance Settlement

• Frequently asked questions on diminished value
• A comprehensive guide through the collision repair process
• How to protect your investment through intelligent use of professional services

Issue 28 What to Do When a Hit & Run Driver or Phantom Car Causes Personal Injuries and Property Damage

• Six ways to prove that your auto accident was caused by a phantom car
• Factors that will increase or decrease the value of your claim
• Hit and run or phantom car insurance claims require special cooperation with your insuarce company

Issue 27 Factors That Will Increase or Decrease the Value of Your Personal Injury Claim

• Nine proven ways to ruin your chances of getting a fair injury award
• List of the factors that will increase or decrease your injury settlement
• Determining the value of general damages

Issue 26  Insurance "Independent" Medical Examinations (IME)

• What is an IME?
• Why would you have to get an IME?
• Avoid “claims factory” IME doctors

Issue 25  Chiropractic is THE Most Effective Means of Treating Soft Tissue Accident Injuries

• Chiropractors are more likely to understand and support your pursuit of an injury claim
• More likely to work on a lien basis when insurance refuses to pay for services
• Chiropractic treatment helps you feel better, faster
• Find a competent and caring chiropractor near you

Issue 24 Statute of Limitations

• What does the statute of limitations mean to my injury case?
• How can I find out what the statute of limitations are in my state?
• Are there any exemptions to the statute of limitations?

Issue 23 What to Do when You Receive No Response to Your Demand Letter

• Is there a standard requirement for the adjuster to respond within a certain time frame?
• How long should you wait for a response?
• What should you do when there is NO RESPONSE to your demand letter?

Issue 22 - Policy Limits Settlements in Personal Injury Insurance Claims

• Special preview of our new policy limits section
• Four initial topics to consider if you have suffered a serious bodily injury that might exceed insurance policy limits
• Should you accept the full insurance policy limits for a complete settlement of your personal injury?

Issue 21 - Denial of Chiropractic Payments by the Adjuster

• Denial of benefits by discounting chiropractor billings that “exceed reasonable and customary” charges
• Why your insurance SHOULD pay
• How to get your insurance to pay these charges

Issue 20 - Denial of Chiropractic Payments by the Adjuster

• Denial of benefits by alleging that chiropractic care is “palliative, not curative”
• Why your insurance SHOULD pay
• How to get your insurance to pay these charges

Issue 19 - Minor Claims

• Is an Attorney Required to Present the Minor Settlement for Approval?
• What Are the Costs and Fees For  Obtaining Court Approval for Settlement of a Minor's Insurance Injury Claim?
• Who Pays for This Approval Process?

Issue 18 - Witnesses

• Why YOU should contact witnesses before the adjuster
• How to get information from your witnesses
• How to present witness information to the insurance adjuster
• What format to use to give your witness the most credibility

Issue 17 - When Should I Send My Demand Letter?

• Do not settle until all permanent injuries are realized
• It can be to your advantage to send your demand letter while you are still under active treatment
• Can you reopen the claim later?

Issue 16 - What to do if you gave a recorded statement to the insurance adjuster

• Why it is so important to know what you said
• Why the insurance adjuster's record needs to be supplemented
• Get a copy of your statement or writing ASAP

Issue 15 - Handling the First Call from the Insurance Adjuster

• No tape recording
• Keep your resolve to pursue this claim
• Resist overtures toward an early settlement

Issue 14 – Should You Hire An Attorney To Settle Your Personal Injury Claim?

• Should I hire an attorney?
• It is legal to settle it myself?
• Will hiring an attorney save me time?
• How much money can I save settling it myself?

• Document your case for additional money with the adjuster
• Reimbursement for Significant Improvements
• Salvage
• Independent Appraiser
• Damaged Personal Property

Issue 10 - Buying Auto Insurance (Part 2)

• You Get What You Pay For
• Think Preventive—Protect Yourself, Your Family, and Your Passengers
• Purchasing Underinsured Motorist Coverage
• Be Honest
• Table of Insurance Coverage Requirements, by State

Issue 9 - Buying Auto Insurance

• Consider a Lot More Than Just Cost
• Glossary of Terms
• Insurance Company Advertisements Deceive
• Research Suggestions to Check Out Auto Insurance Companies

Issue 8

• What is the Best Response after the Personal Injury Insurance Adjuster Gives His Settlement Offer?
• Threatening “Bad Faith”
• “Nibbling” at the Close of Negotiations Settle it Yourself Newsletter

Issue 7

• Use Narrative Medical Reports to Settle Personal Injury Claims
• Why Ask for a Narrative Report?
• When to Use a Narrative Report
• How to Obtain a Narrative Report
• What will it Cost?

Issue 6

• Documenting your pain
• Getting the right information to your doctor
• How to correct your medical records

Issue 5

• The truth about Colossus
• Does your insurance company use Colossus?
• What can you do to fight back?

Issue 4

• What are compensatory damages?
• Special damages
• General damages

Issue 3

• When should you send out your Demand Letter
• Don’t settle before you know the full extent of your injuries
• Resist overtures toward an early settlement
• Can you reopen the claim

Issue 2

• Should I Sign the "Authorization for Release of Medical Records" Sent by the Adjuster?
• Can I Make Changes on the Authorization Form Sent by the Adjuster During Personal Injury Claim Settlement Negotiations?
• Who Should Obtain the Records - You or the Adjuster - During Personal Injury Claim Settlement Negotiations

Issue 1

• Handling the first call from the insurance adjuster
• No tape recording
• Keep your resolve to pursue this claim
• Resist overtures toward an early settlement