Whats New?

Latest Updates to the Most Complete Personal Injury Resource Online: What's New at www.SettlementCentral.Com?

A Note From Dr. Settlement, J.D. (Juris Doctor), Internet Personal Injury Insurance Claim Expert:

We give you the following periodic update of new pages we have added in recent months just so you can see if there is a new topic that you need. To our visitors or new members, this might look like a mighty looooong list of work! But it is not, so PLEASE DO NOT BECOME DISCOURAGED THAT THIS IS A LONG AND BURDENSOME PROCESS.

MOST of these pages are NOT necessary for any particular claim: instead they demonstrate the depth and breadth of insurance claim information available at www.SettlementCentral.Com

You may use only one or two of the following pages, unless you have an unusual situation, such as a demand for an Independent Medical Examination (IME), in which case you will find that our treatment of the topic is the best to be found in any book or on the internet.

The same thing goes for the other topics, such as the Confirmation Letters. In most claims, you might send one or two of those, BUT WOULDN’T YOU RATHER HAVE A WHOLE LOT OF CHOICES just in case you might need them?

Best Wishes on Making a Successful Insurance Injury Claim Settlement,

Dr. Settlement, J.D. (Juris Doctor)

New Additions: Free Insurance Claim Settlement Information for Our Valued Visitors

(Last updated July 6, 2007)

FAQ: Diminished Value Insurance Claims Explained in Answers by Doctor Settlement, J.D.—Auto Accident Insurance Claim Expert

Diminished Value—What it is and How to Make an Insurance Claim for a Cash Diminished Value Insurance Settlement

Auto Accident Collision Repair Shops & Insurance Adjuster Relationships Explained in Answers by Doctor Settlement, J.D.—Auto Accident Insurance Claim Expert

Hire YOUR OWN Auto Collision Repair Expert for Repair Negotiations & Supervision—Diminished Value Insurance Claim Settlements

Auto Accident First Steps: Report to Insurance? Save on Accident Damaged Vehicle Storage; Choose Collision Repair; Rental Car Rights

Introduction to Insurance Subrogation—Forced Payback to YOUR OWN Insurer From Your Personal Injury Award

Uninsured Motorist Coverage (UIM) Insurance Claim: Hit & Run or Phantom Car
That Caused Personal Injuries and Property Damage

Welcome, Doctor of Chiropractic: The SettlementCentral.Com Chiropractor Network Presents THREE Resource Pages for Your Use, all Dealing with PIP Insurance Adjuster Denial of First Party Insurance Benefits to Your Patients

The SettlementCentral.Com Chiropractor Network Resource for ALL Doctors: PIP Insurance Adjuster Denial of Benefits by DISCOUNTING MEDICAL BILLINGS THAT "EXCEED REASONABLE AND CUSTOMARY" CHARGES.

Chiropractor Chart Note Letter to Insurance Adjuster "Discounting" Chiropractic PIP or no-fault Insurance Benefit Billings.

Personal Injury Claim Letter to the Insurance Adjuster Re: Discounting Your Chiropractor's Billings on PIP or no-fault payments

Auto Accident Victim Complaint Letter to State Insurance Commissioner Regarding PIP Insurance Adjuster Discounting Chiropractor Billings Allegedly Above the "Norm for the Area"

The
www.SettlementCentral.Com Chiropractor Network Presents a Resource for Doctor’s Use: Rebutting PIP Insurance Adjuster Denial of First Party Insurance Benefits by ALLEGING CHIROPRACTIC CARE IS PALLIATIVE, NOT CURATIVE, AND HENCE IS NEITHER REASONABLE NOR NECESSARY

Doctor's Chart Note Letter to Insurance Adjuster Regarding Use of Subjective Pain in Diagnosis of Personal Injuries

Insured Patient's Letter to First Party Insurance Adjuster Regarding Use of SUBJECTIVE Pain in Diagnosis of Personal Injuries, NOT OBJECTIVE SYMPTOMS; PIP BENEFITS DENIED

Auto Accident Injured Letter to State Insurance Commissioner Regarding Insurance Adjuster to Value ALL Clinical Diagnoses, Whether Based Upon Objective Symptoms or SUBJECTIVE COMPLAINTS

Chiropractor Chart Note Letter to Insurance Adjuster Re: Denying Chiropractic Insurance Benefit Billings: Treatment PALLIATIVE, NOT CURATIVE

Car Accident Injured Letter to the Insurance Adjuster Re: Chiropractic Care PALLIATIVE, NOT CURATIVE, and Hence Neither Reasonable nor Necessary

Car Crash Injured Complaint Letter to State Insurance Commissioner Regarding PIP Adjuster Denying Chiropractor Billings Because Treatment PALLIATIVE, NOT CURATIVE

New Additions: Insurance Claim Settlement Information to the Members' Side for our Valued Customers

(Last updated July 6, 2007)

CONFIRMATION LETTERS

Letters Confirming Phone Call or Miscellaneous Promises or Arrangements With the Insurance Adjuster

• How and Why to Confirm Your Conversations—Best Claims Practice

2. Make Your Letters EFFECTIVE so Enforce a Conversation or a Promise or an Arrangement Offered by the Insurance Adjuster

• How to Make Letters to CONFIRM a Conversation or a Promise or an Arrangement With the Insurance Adjuster

3. Letters Confirming Refusal to Give Recorded Statement OR to OBTAIN A COPY OF YOUR STATEMENT

• Letter Confirming Why You Will Not Give a Recorded Statement

• Get a COPY OF YOUR Recorded Statement to The Insurance Adjuster

4. Letters Confirming First Call With Adjuster

Things you may wish to confirm include any concessions or admissions or promises of easy or fair settlement made by the adjuster. Take good notes if you can, and if not, make good notes afterward. Use those notes to form the basis of the Confirmation Letter.

• Confirmation Letter Following First Call From Insurance Adjuster; liability conceded

5. Letter Confirming Arrangements for Rental Car and Collision Repair Work

• Letter Confirming Arrangements for Rental Car and Vehicle Repair

6. Letters Confirming Arrangements for Lost Wages Claims

• Open PIP Loss of Work Claim—Confirmation Letter to Insurance Adjuster

• Continued PIP Claim Payments: Loss of Work Confirmation Letter to Insurance Adjuster

7. Letter Confirming Accident Facts & Adjuster’s Promises

• Letter Confirming BOTH THE FACTS Known to the Store Manager and the Adjuster's Partial Admission of Liability

8.. Letter Confirming Uninterrupted First Party Payments With NO IME

• Letter Confirming Uninterrupted First Party Payments via PIP or MedPay for Limited Time With NO IME

9. Letters Confirming SETTLEMENT of Claim With Insurance Carrier

• CONFIRMING SETTLEMENT of Your Claim—Subrogation OK—Non-Policy Limits Settlement

• CONFIRMING SETTLEMENT of Your Claim—FIGHTING SUBROGATION—Non-Policy Limits Settlement

• CONFIRMING SETTLEMENT of Your Claim—POLICY LIMITS Settlement—Fighting Subrogation

NOTIFICATION LETTERS

We suggest that you initiate correspondence with the tortfeasor or his employer, storeowner or insurance carrier if you know it. Your initial correspondence should be a polite letter with no detailed information. Keep a copy, of course, as this is the beginning of a trail a communication between you and the tortfeasor or his representative. Make sure that you set a date for follow-up if you receive no response, AND MAKE THE FOLLOW-UP RIGHT AWAY.

10. Letter Notifying Witness of Your Claim & Requesting Cooperation

• Initial Letter to Witness Regarding Claim and Requesting Information and Cooperation

11. Letters Notifying a Store Owner—Apartment Owner—or Land Owner of a Claim

• Letter to Store Manager Correcting Information Given at the Store

12. Letter Notifying Adjuster DECLINING Third Party Offer to Make Payments of Medical Bills

• Letter to Adjuster Declining Third Party Payment of Medical Bills

13. Letters Notifying Adjuster Refusal to Sign Medical Release and Wage Loss Records Authorizations She Sent for You to Sign

• Letter Notifying Adjuster You Will NOT be Signing Medical Authorization: NO PRIOR ACCIDENTS OR INJURIES

• Letter Notifying Adjuster You Will NOT be Signing Medical Authorization: EXISTING OR PRIOR INJURIES

• Letter Notifying Adjuster You Will NOT be Signing the Wage Loss Records Authorization

14. Letters Notifying the Investigating Officer, or Store or Building Manager, or City or Governmental Official of Additional Information

• Correct or Supplement OFFICIAL REPORTS

• Providing post-accident Information re: loss of consciousness

• “I Was Rear-ended TWICE in Same Accident”: Letter Providing Post Accident Supplementary Information

• “I Hit My Head On The Window or Door Casing”: Letter Providing Post Accident Supplementary Information

• “I Developed Pain That Night”: Letter Providing Post Accident Supplementary Information

15. Letter Notifying the Business Manager of Additional Information

• Letter Supplementing Information Given in Store

16. Letter Notifying Adjuster NO MEETING Until Disclosure of Policy Limits

• IF YOU HAVE A SERIOUS CLAIM, Make the Adjuster DISCLOSE POLICY LIMITS Before You Will Agree to Meet With Her to Discuss the Claim or Settlement or Mediation

17. Letter to Notify YOUR UIM CARRIER of Third Party Policy Limits Offer

• Letter Notifying Your OWN INSURANCE Carrier of Pending Offer of Policy Limits Settlement and the Existence of Your Own UIM Claim

TRANSMITTAL LETTERS

18. This topic deserves its own separate introduction since this format is important to use when sending back the records release authorizations, whether you sign them or alter them.

• Introduction: TRANSMITTAL LETTERS RE: Blanket Medical or Wage Loss Records Release Authorizations

19. Letters Transmitting to Adjuster Altered Medical Release Authorization

• Transmittal of Altered Medical Records Release to Adjuster Where You HAVE NO PRIOR INJURIES OR ACCIDENTS

• Transmittal of Altered Medical Records Release to Adjuster Where You DO HAVE PRIOR INJURIES OR ACCIDENTS

20. Letter Transmitting to Adjuster Altered Wage Loss Release Authorization

• Transmittal of Altered Wage Loss Records Release to Adjuster

Medical Care Liens Granted to Doctor

Introduction to Medical Care Liens

Medical Care Liens Required by Your Doctor

Patient-Requested Liens to Obtain Continued Treatment

Irrevocable Lien on Personal Injury Award

Irrevocable Lien Letter to Tortfeasor's Insurer

Medical Lien Letter to Your Doctor

Satisfaction of Lien

AWARD FOR FUTURE MEDICAL CARE & WAGE LOSS

Introduction to Future Medical Care & Costs Coming soon

HOW to get Award for Future Medical Costs Coming soon

Letter to Doctor re: Future Expected Medical Care Coming soon

INDEPENDENT MEDICAL EXAMINATION MODULE (IME)

Use Health Care Insurance—Less Risk of Facing IME

IME Letter Signals Time—Five IME Choices

IME Abuses by Insurance Companies

Ominous IME Letter From Insurance Adjuster

IME Third Party Knowledge of Results

Arbitrary Scheduling of IMEs

Introduction to First Party IME Compromise

Research to Object to IME Doctor

Preparation for IME Examination Day

Conduct of the IME Examination

Fighting Termination of First Party Benefits Following Adverse IME

General Instructions Regarding IME

Biased IME Doctor—Send Refusal Letter

Letter Denying 3rd Party a Copy of 1st Party IME

Date Conflict IME Refusal Letter

Use Compromise to Avoid IME

Post IME Diary Report

IME Follow-up Letter to Doctor

Letter Confirming Rights to Witness & Recording

Letter to Correct Information You Gave at IME

Long Distance IME Refusal Letter

Hit and Run Phantom Car Uninsured Motorist Claims (UIM)

Introduction to Hit & Run Phantom Car UIM Insurance Claims

Explanation of Hit & Run Phantom Car Insurance Claims

How to Prove UIM Claim—Six Strategies for Success

Hit & Run Insurance Claims Require Special Attention

SPECIAL Tips for Insurance Investigator Interview

Arguments to Insurance Adjuster to Prove Phantom Car UIM Claim

Use Passengers to Give Corroborating Evidence UIM Claim

Letter Confirming Passenger Can Use PIP/Med Pay & be Witness

General Release & Waiver Passenger Rights