"Let’s Talk About Insurance"

(Punch it, Jim Yo, Lawyers can’t talk about this in court
Come on, why not?
People might misunderstand what they’re tryin’ to say, you know hear the truth about this lady being able to afford 10 times this poor injured person’s medical bills and impairments?
No, but that’s a part of life)

Come on


Let’s talk about insurance, baby
Let’s talk about “He” and “She”
Let’s talk about all the good things
And the bad things that may be
Let’s talk about insurance
Let’s talk about insurance

Let’s talk about insurance for now to the people at home or in the office
It keeps coming up anyhow
Don’t deny, delay, and defend like Allstate or make void the topic
Cuz that ain’t gonna stop it
Now we talk about insurance in our offices, on the phone with adjusters, with defense attorneys being paid by the hour
Too bad our clients and the public don’t know, anything goes
Let’s tell it how it is, and how it could be
How it was, and of course, how it should be
Those who think it’s dirty have a choice
Pick up the pen, phone, or email and tell your Department of Insurance off
Will that stop US Chamber from bad commercials or adjusters from lying to clients prior to representation, Pep?  I doubt it
All right then, come on, Spin


Hot to trot and confusing, too many options make any man’s wallet pop
Insurance Companies use what they got to get whatever they don’t got
Unsavvy consumers drool like fools, but then again they’re only human
This person was hit because the other driver behind them was really moving
Texting, chatting, drinking, playing with the child seat in the backseat
Nothin’ they ever swore was ever common
The mistakes were always in place, thanks to lobbying insurance to heads of state, men of distaste
hospital administrators, doctors, insurance adjusters, defense attorneys, no one is able to be self-insured with her not to get with
Or even mess with, the U.S. Chamber of Commerce she says was next on her list
And believe me, you, it’s as good as true
There ain’t a Chamber alive that Insurance Companies couldn’t get next to
Insurance Companies had it all in the bag so they should have been glad
But they were mad and sad and feelin’ bad
Thinkin’ about the things that they never had
No truth, facts, or empirical evidence to make claim for reform,no frivolous lawsuits to actually point to, no common sense approach to claims adjusting, no mention to their insured’s that they actually represent at fault drivers in uninsured claims, just butt sex, followed next without a check and a note
That last night was denied!

Let’s talk about insurance, baby (deny it)
Let’s talk about “He” and “She” (delay it, defend it)
Let’s talk about all the good things
And the bad things that may be
Let’s talk about insurance (on your home, auto, or self)
Let’s talk about insurance (don’t do it)
Let’s talk about insurance (Oo No)
Let’s talk about insurance

Ladies, all the ladies, louder now, help me out
Come on, all the ladies – let’s talk about insurance, all right

(Yo, Pep, I don’t think they’re gonna print this in the paper)
And why not? Everybody has insurance
I mean, everybody should be paying their premiums and asking questions
Come on, how many people you know actually ask questions and look behind the false claims, misleading marketing by Chamber of Commerce and other Justice Deformers?
Not too many jurors I know)


  For those humming "Let’s Talk About Sex" 

  I recommend clicking this and re-reading the article:



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Photo of Trey Mills Trey Mills

Floyd S. “Trey” Mills III knows that suffering a personal injury through no fault of your own can be a nightmare for the victim and his or her family

Mr. Mills was born on April 24, 1978.  His parents, Floyd S. “Butch” Mills,

Floyd S. “Trey” Mills III knows that suffering a personal injury through no fault of your own can be a nightmare for the victim and his or her family

Mr. Mills was born on April 24, 1978.  His parents, Floyd S. “Butch” Mills, Jr. and Patricia Yarborough Mills, were originally from Newberry, South Carolina, and soon after the birth of Mr. Mills, his parents brought him back to be raised in the same county they grew up in.


Mr. Mills attended Newberry Academy from grades K-3, Gallman Elementary 4th grade, Rikard Elementary 5-6th grade, Mid-Carolina Middle School 7-8th grades, Mid-Carolina High School from 9-12th grades, Clemson University, and Walter F. George School of Law at Mercer University.

Health Crisis

While Mr. Mills was a junior in high school he was chosen by his school to be a representative to Boys State.  This was a great honor and would have been an even better experience except, while at Boys State, Mr. Mills became unusually ill with blackouts, night sweats, and back pain.  Fortunately for Mr. Mills, his mother was an ER nurse at Lexington Medical Center, but unfortunately, for Mr. Mills that did not change his diagnosis of Acute Lymphocytic Leukemia.  Along with his diagnosis, Mr. Mills received a prognosis of two weeks.

Obviously, Mr. Mills has been blessed with his second chance at life and those who have been wronged by health care insurance companies and other types of insurance companies can feel confident in knowing that Mr. Mills can not only empathize with them but fight fervently for their side.  Mr. Mills’ cancer experience and his mother’s arduous yet unsuccessful battle against lung cancer were very trying times.  However, those real-world battles and experiences were nothing compared to the administrative and billing wars he had to encounter with Blue Cross Blue Shield Health Insurance. It seems BCBS would deny any charge over $1,000 without rational reasoning therefore prompting Mr. Mills to go to law school and carry the torch for those that were too ill to fight for themselves while the school yard bully beat them down.


Mr. Mills went on to Clemson University where he was very active in student activities along with academic accomplishments.  Mr. Mills was invited to join Calhoun Honor’s College, Sigma Pi fraternity, Golden Key National Honor Society, Student Government, IPTAY Student Advisory Board, and Tiger Brotherhood. Mr. Mills also worked as a student employee with IPTAY Scholarship Fund under the direction of Bert Henderson, formerly the Associate Athletic Director of Planned Giving at Clemson University.

Early Life

Mr. Mills was unsure of where his hard work and life experiences would best provide an adequate return to the outpouring of kindness he received during his cancer experience. Having received many blessings from the American Red Cross, Mr. Mills went on to be an Apheresis Donor Recruiter under the supervision of Barry Pollard at the American Red Cross Blood Donor Services in Columbia, SC after graduating Clemson University.

Running from his true calling, Mr. Mills fled to Guadalajara, Jalisco, Mexico to Teach English as a Foreign Language (TEFL).  Having spent a semester of college in Madrid, Spain, Mr. Mills thought he should be assisting foreign countries. Mr. Mills was certified by the Vancouver Language Centre in Guadalajara for his TEFL training.  Mr. Mills was in Guadalajara only a few months when September 11, 2001 occurred and helped him focus on his life priorities.

Law School

Mr. Mills went on to law school at Mercer University and clerked each summer trying to determine how he could best serve those less fortunate.  The corporate law firms never truly provided him with that personal feeling of assisting the common person in need.  It wasn’t until Mr. Mills became the first law clerk of the South Carolina Trial Lawyers Association under the supervision of Linda Franklin and lobbyist Michael Gunn that he realized where his education, life experience, drive, and hard work could truly benefit those who have been personally and directly affected by the negligence of another.  Mr. Mills wanted to be a coveted and much needed plaintiff’s trial attorney.  More importantly Mr. Mills realized the power of the faceless insurance companies, misinformed legislative members, and the true power of money and lobbyist in dictating laws.

What’s the one service you pay for all your life but you are actually penalized if you ever have to use it? Insurance.

Trammell & Mills

Mr. Ernie Trammell gave Mr. Mills his big break at leveling the playing field against the faceless and heartless insurance companies.  Mr. Mills works tirelessly every day in an effort to bring justice to those who have been wronged.  Mr. Mills has worked on both sides of the law and has been through some harrowing life experiences.  Mr. Mills has been tested and tried by many of the more traumatic events that life has to offer and now provides his services to the public.

Who would you rather have on your side? Someone whose resolve has been tested and tried? Or someone who has intertwined their morality and greed in such a way that they can’t tell one from the other?

Why haven’t you hired Mr. Mills to be your attorney yet?

Would you listen to the devil on how to get to Heaven? Then why listen to insurance adjusters?